Why Do Babies Need Life Insurance? 
why do babies need life insurance ? There are several reasons life insurance for a baby makes sense . One is simply just planning for the future for that child through a cash value policy that grows over time . Coupled with a guaranteed insurability option , a good plan takes away an insurance company 's ability to say `` no '' down the road . That in it 's self is very important . Taking away `` no '' is a wonderful feeling . Another reason is what if the unthinkable happens ? Would a family need time , would they need money to have a service or even buy a headstone ? Imagine the stress of having to budget the service for your child ? How much hate and resentment would happen having to tell a spouse `` no , it costs too much '' ? 