We have Gerber for our kid... and we don’t have it in case they pass away (God forbid). We have it so they will be able to take it over when they’re old enough. Your kids will be able to muddle through college (loans, y’all) if you end up not being able to put away money for that, but life insurance policies are expensive and being pushed to the side as kids grow up now. We don’t want our kid to have to worry about it as much when they get older, we want them to already have that plan set up.
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