Who has it? If you don't mind.. how much and what do you pay per month?

I was offered $25k of coverage for about $20/month. I haven't signed the application yet, and am considering it but would rather think about it for a bit. Is it unnecessary for a 19yr old to have it? They said that the rate is guaranteed to never increase, and that I should get it at this rate while I am young. For now, my parents would be my beneficiaries unless I named someone else, and could transfer that to my wife or children someday.

This is through USAA.