Emergency contact, that's possible... Beneficiary, certainly not, I was in college, broke as fuck, and living on student loans, didn't have any sort of assets

Emergency contact, that's possible... Beneficiary, certainly not, I was in college, broke as fuck, and living on student loans, didn't have any sort of assets to speak of (besides a $900 car), no retirement accounts or insurance policies (besides the minimum liability insurance required by the state).