You wouldn't believe you could get child insurance for $1 could you? But you can. One dollar buys $50,000 worth of insurance.

A lot of people wonder whether insurance is really necessary. After all, you don't get any benefit from it. But ask yourself whether your family will be ok when you aren't here. If you make a lot of the money, then that's a big budgetary hole for someone who is trying to fill two roles at once.