I'm sorry to hear that everything is so stressful for you. It wasn't that long ago that I was 18 (21 now) and my g/f and I went through a lot of painful growth at that age...moving out is never easy, as well as taking those first steps into independence. I know this is kind of personal, but why do you need life insurance. All the investment books I've read said life insurance is a waste of time if you are single (i.e. not married) and with no independents. It seems like a strange thing for someone as young as yourself to worry about.