I am appalled by the "Money lessons for moms" comment by Teri Cettina in the April issue that: "You don't need life insurance on your kids!" What message is this sending??? No one wants their children to die before they do, but the reality is that it sometimes happens, and it's better to be prepared. Also, by buying a policy at a younger age you are locking in on a lower rate. AND, if at a later date your child develops a medical condition they are already covered by an insurance policy. I found her comment uneducated and irresponsible and it made the rest of her article seem unfounded and not worth the read.