Whether or not a child needs life insurance coverage is a widely argued debate. If you examine the following information and feel that you are in a position that would benefit from life insurance being placed on your child, then this would be the best decision for you. Some people are not in a situation that would be helped by their child having life insurance. The conclusion to this debate will vary from person to person and you will only be able to get to the appropriate answer for your situation by thinking about the main points of such coverage.
Many people argue that children do not need life insurance. Being as the mortality rate for children is much lower than that of adults, some people feel that such coverage is an unnecessary economic drain on a family. On top of that, insurance is given out to individuals who have something to lose in the event of the untimely death of the individual insured. Adults often provide for their family. While children are beloved and indispensable on an emotional and mental level, they very rarely offer their family financial or monetary stability. As such, it is unlikely that, from a financial standpoint, individuals would have...
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