Why Should I Get Life Insurance For My Baby? 
Getting life insurance for your baby will ensure that your young adult child is able to have life insurance . You can either purchase a Whole Life policy for your baby , or else add your baby to your policy on a child rider . You can cover all children with one child rider at a very low price . If death would occur , it would pay the benefit . But also , it allows each child to convert that rider to a permanent policy when they become adults , whether or not they are able to be insured for medical reasons . 