Why Would A Baby Need Life Insurance? 
The most important reason to get life insurance for a baby , in my opinion , is to assure that the baby will be able to get and have life insurance for the rest of their life . If a baby or child develops a health condition such as type 1 diabetes , is found to have a heart murmur or congenital condition , or even develops a mental or emotional disorder , it can be extremely hard to find life insurance for tthm . Often , they must wait until they are adults to apply , and if the condition is serious enough , they may need to wait until they are 50 years old to apply for a guaranteed issue policy . If the baby is put on a child rider or gets their own policy before anything like this arises , that baby -LRB- then child , then adult -RRB- is assured to have life insurance rated Standard for the rest of his/her life . Granted , there will be a limit on the amount , but it will be reasonably priced . When a tragedy occurs in the life of a child , it is just great to have something good turn up in a situation like that . 