How Much Life Insurance Do I Need For My Child? 
I recommend at least enough to pay final expenses and possible medical bills . Keep in mind , the loss of a child is an extremely emotional and stressful time . The last thing a grieving parent needs is to try to figure out where to come up with the money to pay for burial and medical bills . Life insurance on a child is not expensive . My personal opinion is a base of $ 25000 . If the child does n't die , it puts the child in a good inexpensive plan until he can afford additional insurance when he is older . 