Im not sure thats good advice.

Life insurance premiums reflect this reality.

Yourlife insurance needschange over time.

A lesbian couple lay their newborn down for a nap.

By limiting the death benefit of the longer policy to your mortgage liability, you could reduce the cost.

Our team has compiled alist of creative waysyou can fatten your bank account this week.

This is a long list, so dont get overwhelmed.

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Well keep it updated as offers changes or expire.

Also, if you plan to have more children, a 20-year policy probably wont be enough.

The cost of a disability can be especially devastating to a family.

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The loss of income is usually accompanied by higher medical costs.

You dont want premiums to be so high that you cant afford to save for emergencies or your retirement.

I know Ive just made the topic of insurance even more baffling for an already baffled new mom.

Your life insurance needs dont exist in a vacuum.

Robin Hartill is a senior editor at The Penny Hoarder and the voice behind Dear Penny.

Send your tricky money questions to[email protected].

Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help…