Do you have it?

It's not a pleasant thing to think about, but it is an important thing. Do you have life insurance on your kids? I've got it on all 3 of mine. Two of them have had it since birth. The third once he became one of mine. I hope that I never have to cash in those policies, but they are there if the worst were to happen. Children insurance is a necessity just like life insurance on yourself or your spouse. At least in my opinion.