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Life Insurance Think about buying life insurance to replace your earnings if something should happen to you. Term life insurance is relatively inexpensive, especially if you're young and don't smoke. A low cost policy can provide peace of mind for your family in the vent of your untimely demise. Life Insurance for Children? You may have seen life insurance for children, which promise “financial security” for your children. But if you take a deeper look, these products aren’t all they are cracked up to be. Generally speaking, financial experts do not believe these products are worthwhile. That’s because life insurance is best utilized as protection of a breadwinner’s income. If the breadwinner were to pass away, life insurance would be there to fill the void. But since a child doesn’t have any income to protect, life insurance for children in most cases doesn’t make a whole lot of sense. Instead, you are probably better off investing the premiums you would have paid and directing it towards an educational fund in your child’s name.
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