Why Should I Buy Life Insurance On A Newborn Baby? 
That is a great question ! There are a couple of good reasons , one that is nicer to think about than the other , but both valid . The nicer one is that the cost of life insurance is a set price for whole life insurance . That means that if you purchase a policy for let us say , $ 5 a month for your child , they will still be paying $ 5 a month when they are 25 . The price never changes , despite whatever health issues arise . The other reason is that it is unfortunate but true that children die also . And their funerals are expensive also . If it would be a hardship for you to be able to bury your child , then that $ 5 a month is a really good hedge . Another reason is the one I alluded to above - if there is a health issue that surfaces that could impact significantly your child 's health throughout their life , then getting the affordable coverage before the issue arises is a huge blessing . Many companies have been forced by the slowed economy to increase premiums on policies for the less healthy , and to cut back on what they will accept as healthy . It 's a possibility that you may never have to worry about this -LRB- God willing , and I sincerely hope so -RRB- , but if there are health issues in your family lines , it might be a good thing to consider . You would want to look for a good independent agent in your area to look for the right policy for you . If you would like more information , please feel free to contact me , and we 'll go over your questions offline . I appreciate your asking , and if you do have a newborn , congrats !! 