How Much Life Insurance Should I Get For My Child? 
I 'm going to assume that you want it for the unthinkable ... Death ... not college . The TV & Radio talkers often say , `` OH ... you do n't need to have more than what you need for final expenses . '' I 'm a dad ... If one of my kids passes ... I WO N'T FUNCTION FOR 2-3 MONTHS ... I DO NOT want to profit off my kids ... . Yet not getting out of bed for months , flying my family across the country , etc. . . Look ... I 'm saying this as a DAD who happens to be in the insurance biz ... Love your kids ... Buy what you can afford and fits the underwritting guidlelines of the carrier ... . 