Why Would A Baby Need Life Insurance? 
There are a lot of reasons it can make sense to get insurance on children -LRB- 1 -RRB- typically they are insurable -LRB- 2 -RRB- a lot of policies will allow them to convert to different types of insurance at a later date -LRB- 3 -RRB- its possible to have a paid up policy on them if you purchase while still young -LRB- 4 -RRB- you can also give them a head start in their financial life by giving them a policy with cash value that has built up over the years . Insurance is not a bad thing to have on one 's children . 