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2 Responses  

1. justin bieber
   2.1.2010

   Best Answer – Chosen by Voters Your best bet is to contact a local independent insurance broker. They will have access all the companies on the market and will be able to help you find the best life insurance company specific to your needs.It is difficult to make an educated recommendation without knowing more details on what you are looking for (term or whole life? What amount? Are there any medical conditions or possible added risk factors? etc) and why (are you looking at just insuring the child while they are dependent on you or are you looking at purchasing them a policy to help build a base to their future financial needs and future insurability? etc) and where you are (every state/province is priced a little different and some places have more options than others).To the previous poster, risk management is an important part of a well rounded financial plan. There is a reason that any designations like CFP require you to take risk management courses inorder to get that designation. If financial hardship falls on someone when they first start their plan, there is no other way to cover the expenses of something like a premature death or serious illness at as low of a cost as insurance. Odds are low that something will happen, but the cost of a funeral unexpectedly could cost upwards of $10,000, doesn't matter if your 4 years old or 70 years old and saving $25 a month that it would cost for insurance would take an awefully long time to get to $10,000 in savings. Perhaps you should put your bias for financial products that you specifically sell and focus on answers that actually answer the question that was asked. ; ) Source(s): Finanicial Advisor in Canada.
2. justin bieber
   2.1.2010

   Why would you buy life insurance for a 1 year old? Why do her parents need payment in the event of her death? Open a bank account for her or buy her some stock or something. Life insurance is a complete and total waste of time and money. Source(s): 20+ years practicing law & 12 years in finance

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