re: How much life insurance do you have?

quote:

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I've read that perhaps a better rate for the kid when they become an adult, but I doubt that's hugely beneficial considering all other factors.

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Lots of people are uninsurable.
Lots of people are expensive to insure.

Once you've checked off your top 50 financial goals, guaranteeing the insurability of your kids is not a bad thing.

My brother smokes, has had DUIs, and is underweight.
A policy when he was a kid would have significant value now that he has children of his own (he has coverage, but some carriers have declined him).

I agree. There should be little to no priority on it.

I don't have life insurance on my kids (other than the $25,000 provided by my employer for about $20/yr). I don't quite max out my HSA per year. I haven't hit that priority level financially speaking to do that for my children.