Children don't need life insurance is 100% bullshit...
Just had a young adult declined because of her mental situation. So many things can prevent one from obtaining life insurance later on... We decided to lock in our grandchildren insurability with a $100k base policy that is guaranteed to grow in value every single year, plus using the Guaranteed Insurability Rider (GIO) they can purchase 9 more policies over their life time at certain periods of an equal amount. So they could basically have $1 million in coverage that will last their lifetime.
Also being young children get the lowest cost of insurance, locked in (the premium cannot change)
Hit me up if you want a child quote.
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