Whether or not you choose to purchase life insurance on your child is a personal choice. There are other options – a child rider on the parent’s policy, for example. At least there would be a little coverage if something happened to the child to pay for funeral/last expenses, perhaps provide for some grieving time, and the rider could be converted if your child did end up uninsurable as an adult.

On a much more personal note, my sister died at the age of 20, and it took my mother almost a year to feel good enough to go back to work. If it had not been for life insurance, she would not have been able to take time off work to grieve. If something happened to either of my children, whom I care about more than anything in this world, I would want the same option.

Your right a memorial for you child would not cost more then a year worth of childcare … but I would love for you to point out an average American family that could afford a years worth of childcare at one time.

Some people do have rainy day funds but how long does that last??? And what happens if one parent can’t take it and needs to take several months off of work??? then what?

Not being insurable later in life is something for a responsible parent to think about… just because your child doesn’t contribute to your household doesn’t mean he/she won’t have one of their own to contribute to later in life.

I personally have seen a lot of families who have lost children. You obviously have not and for that you should be thankfull…

Children die everyday… don’t you think that having a life insurance plan would help these families??? Everybody loves to think that nothing bad will ever happen to their children so they don’t need to worry …. but what if it does? Reality is for some of you it will.

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