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Should You Buy Life Insurance For Your Children? by M Taylor





Article Author Biography
Should You Buy Life Insurance For Your Children? by
Article Posted: 01/28/2014
Article Views: 384
Articles Written: 303
Word Count: 264
Article Votes: 0
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Should You Buy Life Insurance For Your Children?


 
Insurance,Finance & Investment
Here’s the thing – insurance companies like to scare consumers into buying all sorts of different insurance products. Some of these insurance products are really important, like life insurance. Other products…not so much.

You may have heard about life insurance for children. These policies are typically inexpensive, which makes them tempting for any caring parent. Don’t be fooled. Life insurance for children just doesn’t make a lot of sense. If you love your children and want to protect them from financial hardship, then you need to buy a term life insurance policy for yourself. This way, if you should pass away unexpectedly, your policy payout can help ensure your children are financially supported.

Children don’t work (lemonade stands notwithstanding) and shouldn’t have any financial debt, so why do they need a life insurance policy? In the nightmarish event that a child becomes ill and requires expensive medical care, these costs should be covered through a parent’s health insurance policy. These are not bills that need to be covered by a life insurance policy.

Lastly, and thankfully, the chances of a child dying are very slim. In all but a few cases, life insurance for children is not a good investment of money. Speak to your financial investor to learn more about the very few exceptions where a child or estate may benefit from life insurance.

Wealth and Wisdom Online Financial Advisor,Your personal CFO will provide you with the right solution that fits your lifestyle and financial planning. Our step by step process makes it easy for anyone to achieve their financial goals.

Related Articles - financial planner, financial advisors, life insurance kids,

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