gerber life insurance

I always get these offers for Gerber Life Insurance for my kid. It’s like cord blood banking – it’s one of those things that I’m almost scared into buying, like a chain letter or war with Iraq. It’s like whole life insurance or long term care insurance. Do I need it today? Will I regret not buying it? If I only get term, am I missing out on an investment opportunity? Is insurance through a job enough?

Who can answer these difficult questions?

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