Wendy is a college student in her sophomore year. she is single with no kids, and has her education paid for by a scholarship. what type of life insurance does she need?

None, really. She has no dependents that could benefit. On the other hand, if she gets Life insurance early in life (Term life insurance) with no devastating disease she can lock in the rates. Who know's what the future bring and she might get married and have a family, get sick etc. I have to admit I'm biased since I'm Swiss and we tend to get overinsured. But for the sake of this question, None is the correct answer.