I don't need insurance as I am too young.

[Expert]

how you tackle this question -
I don't need insurance as I am too young....

You ask him following questions -

1. What about home, car or health insurance.
2. If his mother and father also dependent on him.. who will take care of them in case of any mishap.
3. In case of any disability, how he will live for whole life.

[koolz]

You ask him following questions -

1. What about home, car or health insurance.
2. If his mother and father also dependent on him.. who will take care of them in case of any mishap.
3. In case of any disability, how he will live for whole life.

I second Expert.