Ensuring Your Children a Bright Future with Life Insurance

mom and child, mom walking infant, mom walking baby

When you have kids, there are so many different things to plan for. Whether it be for a new baby and you need to put their nursery together, or packing your child’s belongings to go away to college. There are many milestones along the way with lots of happy tears and moments of joy.

Sometimes, we can get caught up in life’s everyday routine and busyness, especially when there is always so much going on. But that's exactly why I wanted to write this article. We all need that friendly little reminder sometimes... me included!

One of the most important things you can do as a parent is set up a life insurance policy. This will give you piece of mind knowing that you have ensured your children a solid start to their future. Even though no amount of money can replace what you can give them as their parent, this is your way of providing for them no matter what should happen.

It's disheartening to learn that over 1/3 of parents with children under the age of 18 don't have a life insurance policy, according to CNBC. That’s a lot of people! If something should happen to you, who would raise your children? Perhaps your parents? Are they retired? If so, they would definitely benefit from a life insurance policy to help ensure they have the means to care for your children on perhaps an otherwise tight budget. 

Maybe your interest is peaked now and your thinking about purchasing a policy, but don't know how much you should get. There is a general rule of thumb when it comes to purchasing life insurance. Ideally, you should look into getting a policy that is equivalent of 7 to 10 times your income. However, details of how much and what kind of insurance will depend on your family’s needs and future goals.

Future goals can vary from what type of college you would like your child to attend and even a general overall lifestyle you want them to have. There are many things to consider once you find out your pregnant.

No one wants to think about these upsetting “If’s”, but knowing that you have taken care of this crucial part of your children’s future will certainly give you a sigh of relief. It's a big item that you can cross off your to-do list and you can rest easy knowing you did all that you can for your children.

Disclaimer: This is a sponsored post and all thoughts and opinions are my own.


  1. This is something that for some reason I don't have! My husband and I have talked about it but still haven't gotten life insurance. We have three kids, so it is dumb that we don't. I will definitely be looking into it now.

  2. the most important type of insurance

  3. Life insurance is so important to ensure that your loved ones are taken care of.