Why Do Babies Need Life Insurance? 
The more accurate question is why do parents want to take out life insurance on their infant child ? You may want to cover final expenses in the death of the child . You may want to start a long term savings program for your child . You may want to purchase the maximum the carrier allows for the future of your childs insurability , especially if your familys health history includes chronic illnesses . But keep in mind , most life insurance carriers will not issue a policy on a child if the parents have no coverage of their own . 