Life Insurance

So I'm old. 21 years old... which really isn't that old if your taking about life insurance. For some reason the company I work for thinks I will benefit so much from life insurance that its part of my standard benefit. Now I know they must not pay much for it, since my survival function is high but still there are a million other ways they could give me that extra benefit. Today I even called hr and tried to switch it to extra health or dental insurance but I couldn't. So I figure that since I have life insurance I am allowed to put my life in danger. I can try all the random stuff I've always wanted to do but knew I'd probably get hurt or die. So Manulife... you think your getting my 'benefit' premiums with little to no risk......we'll see about that....

PS: Yes I do have Health Insurance just in case