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Saturday, February 09, 2008

Protecting Your Children

I've talked about life insurance several times. I've mentioned that I believe children's life insurance is just as much of a necessity as adult life insurance. I still believe that. However, I believe that it is not enough to purchase children's life insurance and hope for the best.

Common sense dictates that as parents we need to be proactive when it comes to protecting our children. Practicing good hygiene, providing nourishing meals, encouraging our children to be active rather than sedentary, making sure your children receive the necessary vaccines (I know some people disagree with this point, and that's your choice): these are all easy steps parents can take to protect their children.

Another easy way we can protect our children is to practice basic car safety. Car seats should be checked to make sure that they are properly installed and are being used correctly. Children under 12 months of age and under 20 pounds should be seated in a rear-facing car set. Car seats should be discarded after the expiration date stamped on the seat (usually on the back) or after it has been involved in a crash. Older children should be in a booster seat until they reach the weight and height recommendations. All children (and adults) should wear a seat belt every time they ride in a vehicle and should wear that belt as designed by the manufacturer.

Sometimes the best children's life insurance is to have parents who do their best to care for their children. What are some of the things you do to protect your children?