[mommamarci]

Okay, I have signed up for all the coupons for diapers, formula, etc. as a result, I am constantly getting packages in the mail with all things pertaining to baby. One thing I have received several times is a paper about life insurance. (I don't think I can say what the name of it is since it is a proft thing. Not sure about that.) Anyway, the name is not that important. For a few dollars a month you can get life insurance for the child. The premiums never go up. So, I was telling a friend about it and she says it is a total waste of money. we could get it much cheaper if we go through a private insurance company. What do you all think? Is minimal life insurance (I am talking like $5,000- 10,000 just enough to cover expenses if something happened.) important? Did you get it for your children? I know I have too much time on my hands, so I come up with this stuff to ask you all. Thanks in advance for any responses!!