I'm looking to purchase life, medical , and short term disability insurance I'm new to this so i need to know the basics what do i need to know before purchasing I'm only 20 years old also if you can leave some tips on what are some good affordable insurance companies i was thinking of purchasing short term disability through Aflec basically i need to know the basics what i should look for how much should i pay average a month please help thank you !

"Short term disability? - not needed unless you have kids."

Where do these people get their information from, Suze Orman or Dave Ramsey? Uh, if you can't go to work and get paid, then WHO is going to pay your bills. You're smart and ignore that answer. There's also nothing wrong with buying life insurance early on, because it also insures that you can get coverage. Medical goes without saying.