<prompt> Human: My parents got a small whole life policy through prudential for me when I was born, its nice bc I was able to take money out of it to help pay for some things as an adult, but still keep the policy intact to supplement my grown up insurance. Anyone familiar with the Gerber grow up plan? Is that any good? Or any other recommendations?  <response>: Buy term life insurance to cover the loss of your or your spouses income and protect the babys future.Do not buy insurance on the baby.Do not buy whole life insurance. It is a bad investment. If you want to invest for the baby, do it some other way. 