If the idea of buying life insurance seems like something old people do, think again—every parent needs it. Here's why and how to get it. lifeinsurance
, life insurance pays out a predetermined lump sum of money to the surviving spouse. If there isn’t another parent, the funds go into a trust for the kids. Disability insurance is similar; however, in this case, the parent is still alive but is unable to earn an income because of an injury or a long-term illness.
“People who are having children tend to be younger, and the younger you get term insurance, the cheaper it will be,” explains financial planner Christine Williston.The amount of insurance you need will depend on a lot of factors, from how many kids you have to what kind of lifestyle you want your family to be able to sustain if you aren’t around.
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