Well, it's not possible to have affordable RENT and UTILITIES if you're not employed!!
So. Life insurance depends on your age and health. If you're healthy and 30, you can get 20 year term, $250,000 for about $150 a year.
Private dental insurance is different, though. I've never seen a plan where they pay out more than they take in. There are LOTS of loopholes - limitations of coverage, massive co pays, and waiting periods, so you're better off paying for dental stuff out of pocket.
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