for those of you with children, if you get them a whole life insurance policy
when they are young, they can maintain that policy
when they are older, increase the benefit as their family grows, and they will have life insurance for next to nothing.
My dad had a policy on me from birth, I increased the benefit amount when I got married, and now I have a really good policy for only $120 a year.
I took out similar policies on each of my children and they will have great coverage as adults.