re: Opinions on life insurance for your kids?

Also, if you do end up getting them, get the Disability Waiver of Premium rider on them as well for a couple of reasons:

1. Yes a child can technically be declared disabled and the rider kicks in (I have seen it happen)
2. Generally, when they want to buy insurance later, if they want to add that benefit, it would require underwriting.
3. It is stupid cheap