<prompt> Human: My fiancée and I have a 2 month old that we are considering getting a life insurance for him. We havent really looked into options but I am trying to decide if it is worth the cost.Any help?  <response>: IMO, life insurance is to make sure that if someone dies unexpectedly, their dependents are still going to be financially secure from the insurance pay out.A 2 month old has no dependents, therefore does not need life insurance. 