Why Buy Life Insurance For Children? 
There may be the occasional need to insure children , but I think the exception proves the rule that it is n't needed . The greater threat to kids is the vast number of the parents in America today who do n't have the life insurance they should have . If you are a family breadwinner with little savings , you need life insurance to cover essentials for your family such as income replacement , mortgage protection , college funding , or final/burial expenses should anything take YOU out of the picture . 