If you think adults are the only ones who need to be insured, you are wrong. I’ve started my kids young. My kids are also insured. My agent just submitted a new life insurance quote for my son. I consider them as investments aside from just being an insurance. My kids can get something from their plans upon their maturity. I encourage them to learn about good and sound investments not only for themselves but for their future families as well. It’s wise to teach them about financial matters early.