for somebody who is young and healthy. Don't rely on life insurance thru your employer is my suggestion, take control of your own life insurance and if you get some thru an employer in the future, great, consider it a supplement to what you had. I know thats not what you asked but relying on something thru an employer scares me, and life insurance is so darn cheap.

(if you're really really stretched for money then even having parents pay for it as your Christmas present?)