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Nice write up.
Two quick additions...
1) When choosing health insurance pay particularly close attention to the cap on coverage. Many plans cap coverage at a million dollars, some at even less. A million dollars isn't much if you or a family member gets very sick or has a catastrophic accident. You'll pay more for insurance with no cap but it is well worth it because that's what prevents bills from bankrupting you.
2) Be very careful which company you buy life insurance from. If all goes well they won't be paying anyone for 20 years or more and YOU won't be around to fight with them when it's time to collect. Pay more if necessary for the same coverage from a solid provider. Choose one that has been around a long time, is highly rated and is well capitalized. Not all life insurance companies are the same.
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