Life insurance 101: What new and expectant parents need to know

While no one wants to think about a scenario where they might not be around, it's empowering to know that you have a plan.

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A new year is upon us, which means most of us have set ambitious goals to live healthier, make sound financial moves, and maybe graduate from athleisure attire to wearing real pants again. (Maybe.) The key to sticking with New Year's resolutions is to feel like you're making progress toward your goals. So why not start your 2021 off with an achievable resolution that will give you some much-appreciated peace of mind when you're cuddling your little ones? Yes, we're talking about life insurance.

While no one wants to think about a scenario where they might not be around, it's empowering to know that you have a plan in place no matter what happens. And if last year taught us anything, none of us know what's going to happen next.

Thanks to modern technology, it's easier than ever to help financially protect your loved ones with life insurance. You can apply for affordable coverage online in as little as five minutes.

But before you click that "apply now" button, here are some helpful tips for parents considering life insurance.


What is life insurance?

Life insurance helps provide financial protection for your family when they need it most. In exchange for monthly or yearly premiums to a life insurance company, you have coverage in place should the unexpected occur. If a life insurance policyholder passes away, their beneficiaries receive a lump sum payout (which is usually tax-free) to help pay for end-of-life and ongoing expenses, such as a funeral, monthly mortgage payments or childcare. If your family can stash away some of that money in a savings or brokerage account, a life insurance payout can also positively impact their long-term financial health.

When shopping for a policy, there are two types of life insurance for you to consider. There's term life insurance, which covers your beneficiaries for a set period of time, such as 10 or 20 years. Or there's permanent life insurance (like whole life), which provides lifetime coverage.

For most families, term life insurance is a simple, budget-friendly way to protect your family during the years they need it most. For example, with my company, a healthy 35-year-old woman can buy a 20-year policy with $500,000 in coverage for as little as $22 per month. If she had a newborn child, that policy would help provide financial protection to her child until they are 20 years old.

How much life insurance do parents need?

There are a few simple rules of thumb to consider when determining if you need life insurance and how much you should purchase.

First, if you have a co-parent or partner, both parents should have life insurance. Regardless of your income, if you have dependents who rely on you for their well-being, then you probably need a life insurance policy. A financial dependent could be your children, a spouse you share the bills with or an elderly relative.

Second, most parents need coverage that's somewhere between five to 10 times their annual income. You might need more if your family has substantial debts like student loans, or you might need less if you have a healthy amount of savings. For stay-at-home parents, consider a policy that's equal to your partner's. Most people want at least enough coverage to pay for end-of-life expenses, the mortgage and the cost of childcare or education until your kids are adults.

Third, choose a coverage length that will last until your loved ones will be financially independent. If you have young children, that might be a 20-year term length. If you have a child with special needs, then a permanent policy might be right for you.

If you think permanent coverage will better suit your needs, consider working with a life insurance agent. Permanent life insurance is more complicated to manage and purchase than term life, so you'll want someone to help you navigate choosing a policy and coverage amount that fits your long-term financial planning needs.

What to know when buying life insurance

Choosing the right life insurance for your needs doesn't need to be complicated. The following are a few simple steps to take when buying a policy.

1. Shop around and compare quotes for coverage.

Across life insurance companies, term life is designed to be affordable for most families. When choosing a life insurance provider, shop around and get several quotes for coverage. Policies across companies should be pretty comparable in price. If they're not, find out what's different about the quoted policy and make sure it aligns with your needs and budget.

2. Choose a buying experience that fits your needs.

Do you prefer to do your banking, shopping and nearly everything else instantly online? If so, look into all-digital life insurance options, which, if approved, can provide you with coverage in five to 10 minutes. While innovative companies offer an online experience you can accomplish in your pajamas, customer support is available via phone, email or chat if needed. Other more traditional companies will usually take a few weeks to process an application and will often require a medical exam.

3. Enjoy peace of mind and check in on your needs periodically.

Once you have life insurance in place, you pay your monthly premiums, and your family is covered. That's it. If you welcome a new baby to your family or buy a bigger home, make sure to check in that your life insurance coverage is sufficient to protect your family from financial responsibilities.

Life insurance is a must-have for most financial plans, especially when you have little ones who depend on you for their well-being. If you intend to grow your family in 2021, take five minutes and apply for life insurance. Coverage is affordable, and you'll sleep better at night knowing your loved ones have financial protection. Here's to a healthy and prepared New Year.

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    When you ask any two mamas to share their experience with breastfeeding, you are bound to get very unique answers. That's because while the act of breastfeeding is both wonderful and natural, it also comes with a learning curve for both mothers and babies.

    In some cases, breastfeeding won't be the right path for everyone. But with the right tools, resources and social support systems, we can make progress toward the American Academy of Pediatrics' recommendation to continue breastfeeding through the first year of a child's life. After all, breastfeeding helps nourish infants, protects them against illnesses, develops their immune systems and more. Not to mention that mothers who breastfeed experience reduced risk for breast and ovarian cancer, type 2 diabetes and high blood pressure.

    With National Breastfeeding Awareness Month this month, it's a great time for mamas (and expectant mamas!) to gather the supplies that will support their feeding journey—whether it looks like exclusively breastfeeding, pumping or combo-feeding.

    Customflow™ Double Electric Breast Pump

    Designed for regular use, this double electric breast pump allows mamas to customize the cycle and vacuum settings that work for them. The 100% SoftShape™ silicone shields on this pump form-fit to a wide range of breast shapes and sizes—which means more comfortable, more efficient pumping. And every pump comes with two complete Dr. Brown's Options+ bottles, giving you everything you need to go from pumping to feeding.

    $159.99

    Dr. Brown’s™ Breast Milk Collection Bottles

    There's no need to cry over spilled milk—because it won't happen with these storage bottles! Make the pump-to-feeding transition simpler with Dr. Brown's Milk Collection Bottles. The bottles adapt to Dr. Brown's electric pumps to easily fill, seal and transport, and they work with Dr. Brown's bottle and nipple parts when your baby's ready to eat. (Meaning no risky pouring from one bottle to another. 🙌)

    $9.99

    Breast Milk Storage Bags

    With an extra-durable design and double zip seal, your breast milk will stay fresh and safe in the fridge or freezer until it's needed. Plus, the bags are easy to freeze flat and then store for up to six months, so your baby can continue drinking breast milk long after you are done nursing.

    $9.99

    Silicone One-Piece Breast Pump with Options+™ Bottle & Bag

    Here's something they don't tell you about breastfeeding ahead of time: While feeding your baby on one side, the other breast may "let down" milk, too. With this one-piece Silicone Breast Pump, you don't have to let those precious drops go to waste. The flexible design makes pouring the milk into a bottle stress-free.

    $14.99

    Dr. Brown’s® Manual Breast Pump

    No outlet in sight? No worries! With this powerful-yet-gentle Manual Breast Pump, you can get relief from engorgement, sneak in some quick midnight pumping or perform a full pumping session without any electricity needed. With Dr. Brown's 100% silicone SoftShape™ Shield, the hand-operated pump is as comfortable as it is easy to use. Complete with Dr. Brown's® Options+™ Anti-Colic Wide-Neck Bottle, a storage travel cap and cleaning brush, consider this the breastfeeding essential for any mama who has places to go.

    $29.99

    Options+™ Anti-Colic Baby Bottle

    With the soft silicone nipple and natural flow design of these bottles, your baby can easily switch between breast and bottle. Clinically proven to reduce colic thanks to the vent, your baby can enjoy a happy tummy after feeding sessions—without as much spit-up, burping or gas! By mimicking the flow and feel of the breast, these bottles help support your breastfeeding experience.

    $7.99

    This post is sponsored by Dr. Brown's. Thank you for supporting the brands that support Motherly and mamas.

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    7 hacks for simplifying after-school snacks

    Prepping delicious and nutritious foods shouldn't take all day.

    When you're in the middle of the school year and managing a family, each minute of time becomes very precious. Sometimes that means healthy food choices in the household can take a backseat. But don't stress it, mama. Prepping delicious and nutritious choices for the kids to munch on doesn't need to take all day.

    Remember to keep it fun, simple and interactive! Here are tips for simplifying after-school snacks once and for all:

    1. Prep snacks on Sunday

    This simple trick can make the rest of the week a breeze. Tupperware is your friend here, you can even write different days of the week on each container to give the kids a little surprise every day. I really like storage with compartments for snack prep. Personally, I slice apples, carrots or cucumbers to pair with almond butter and hummus—all great to grab and go for when you're out all day and need some fresh variety.

    2. When in doubt, go for fruit

    Fruit is always a quick and easy option. I suggest blueberries, clementine oranges, apples, frozen grapes or even unsweetened apple sauce and dried fruit, like mixed fruit. It's fun to put together a fruit salad, too. Simply cut up all the fruit options and let the kids decide how they'd like to compile. Prepped fruit is also great to have on hand for smoothies, especially when it's been sitting in the fridge for a few days—throw it in the blender with some nut milk and voila.

    3. Pair snacks with a dip

    Hummus is a great dip to keep on hand with lots of versatility or you can grab a yogurt-based dip. Easy and healthy dippers include pre-sliced veggies, baby carrots and multigrain tortilla chips. Plain hummus is a great way to introduce seasonings and spices too—shake a little turmeric, add fresh basil and you'd be surprised what your kids will take to.

    4. Have high-protein options readily available

    Snacks with high protein, like cottage cheese, Greek yogurt, hard boiled eggs and jerky will fuel kids for hours. One of my favorites is a turkey stick, which is a fun addition to the hummus platter. Just slice into bite-sized pieces. I love cottage cheese because it can go savory or sweet, use as a dip with your prepped veggies, or drizzle pure maple syrup and sprinkle with berries.

    5. Always keep the pantry stocked

    Monthly deliveries keeps the pantry updated without a trip to grocery store. Many kids are big fans of popcorn, granola and pretzels. We like to DIY our own snack packs with a little popcorn, pretzels, nuts and whatever else is in the pantry so there's always something different!

    6. Make cracker tartines

    I love the idea of replicating popular restaurant dishes for kids. Here are some of my favorite snack-sized tartines using any crisp bread, or favorite flat cracker of your choice as the base. There are no rules and kids love adding toppings and finding new combinations they love.

    • Avocado crackers: Use a cracker and then layer with thinly sliced avocado, a dollop of fresh ricotta cheese topped with roasted pepitas or sunflower seeds.
    • Tacos: The base for this is a black bean spread—just drain a can of black beans, rinse and place into a wide bowl. With a fork or potato masher, lightly smush the beans until chunky. Spread onto your cracker and top with tomato, cheddar cheese and black olives. Try out a dollop of super mild salsa or some lime zest to introduce some new flavor profiles.
    • A play on PB&J: Smear peanut butter, almond or a favorite sun butter on the cracker. I like to get a mix it up a bit and put fresh fruit (strawberries, blueberries and tiny diced apples) and a little bit of dried fruit sprinkled on top.

    7. Pre-make smoothie pops

    The easy part about meal prep is the prep itself, but knowing exactly how much to make ahead is tricky. Freeze a smoothie in popsicle molds to have a healthy treat ready-to-go snack. They're super simple to make: Add any fruit (I like apples, berries, pineapples and mangoes) and veggies (carrots, steamed beet and wilted kale) to a blender with your favorite nut milk until you have consistency just a bit thinner than a smoothie. Pour into your trusty reusable popsicle molds and then into the freezer to make an ice pop so good they could eat them for breakfast.

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    15 toys that will keep your kids entertained inside *and* outside

    They transition seamlessly for indoor play.

    Keeping kids entertained is a battle for all seasons. When it's warm and sunny, the options seem endless. Get them outside and get them moving. When it's cold or rainy, it gets a little tricker.

    So with that in mind, we've rounded up some of the best toys for toddlers and kids that are not only built to last but will easily make the transition from outdoor to indoor play. Even better, many are Montessori-friendly and largely open-ended so your kids can get a ton of use out of them.

    From sunny backyard afternoons to rainy mornings stuck inside, these indoor outdoor toys are sure to keep little ones engaged and entertained.


    Stomp Racers

    As longtime fans of Stomp Rockets, we're pretty excited about their latest launch–Stomp Racers. Honestly, the thrill of sending things flying through the air never gets old. Parents and kids alike can spend hours launching these kid-powered cars which take off via a stompable pad and hose.

    $19.99

    Step2 Up and Down Rollercoaster

    Step2 Up and Down Rollercoaster

    Tiny thrill-seekers will love this kid-powered coaster which will send them (safely) sailing across the backyard or play space. The durable set comes with a high back coaster car and 10.75 feet of track, providing endless opportunities for developing gross motor skills, balance and learning to take turns. The track is made up of three separate pieces which are easy to assemble and take apart for storage (but we don't think it will be put away too often!)

    $139

    Secret Agent play set

    Plan-Toys-Secret-agent-play-set

    This set has everything your little secret agent needs to solve whatever case they might encounter: an ID badge, finger scanner, walkie-talkie handset, L-shaped scale and coloring comic (a printable file is also available for online download) along with a handy belt to carry it all along. Neighborhood watch? Watch out.

    $40

    Stepping Stones

    Stepping-stones

    Kiddos can jump, stretch, climb and balance with these non-slip stepping stones. The 20-piece set can be arranged in countless configurations to create obstacle courses, games or whatever they can dream up.

    $99.99

    Sand play set

    B. toys Wagon & Beach Playset - Wavy-Wagon Red

    For the littlest ones, it's easy to keep it simple. Take their sand box toys and use them in the bath! This 12-piece set includes a variety of scoops, molds and sifters that can all be stored in sweet little wagon.

    $17.95

    Sensory play set

    kidoozie-sand-and-splash-activity-table

    Filled with sand or water, this compact-sized activity set keeps little ones busy, quiet and happy. (A mama's ideal trifecta 😉). It's big enough to satisfy their play needs but not so big it's going to flood your floors if you bring the fun inside on a rainy day.

    $19.95

    Vintage scooter balance bike

    Janod retro scooter balance bike

    Pedals are so 2010. Balance bikes are the way to go for learning to ride a bike while skipping the training wheels stage altogether. This impossibly cool retro scooter-style is built to cruise the neighborhood or open indoor space as they're learning.

    $121

    Foam pogo stick

    Flybar-my-first-foam-pogo-stick

    Designed for ages 3 and up, My First Flybar offers kiddos who are too young for a pogo stick a frustration-free way to get their jump on. The wide foam base and stretchy bungee cord "stick" is sturdy enough to withstand indoor and outdoor use and makes a super fun addition to driveway obstacle courses and backyard races. Full disclosure—it squeaks when they bounce, but don't let that be a deterrent. One clever reviewer noted that with a pair of needle-nose pliers, you can surgically remove that sucker without damaging the base.

    $16.99

    Dumptruck 

    green-toys-dump-truck

    Whether they're digging up sand in the backyard or picking up toys inside, kids can get as creative as they want picking up and moving things around. Even better? It's made from recycled plastic milk cartons.

    $22

    Hopper ball

    Hopper ball

    Burn off all that extra energy hippity hopping across the lawn or the living room! This hopper ball is one of the top rated versions on Amazon as it's thicker and more durable than most. It also comes with a hand pump to make inflation quick and easy.

    $14.99

    Pull-along ducks

    janod-pull-along-wooden-ducks

    There's just something so fun about a classic pull-along toy and we love that they seamlessly transition between indoor and outdoor play. Crafted from solid cherry and beechwood, it's tough enough to endure outdoor spaces your toddler takes it on.

    $16.99

    Rocking chair seesaw

    Slidewhizzer-rocking-chair-seesaw

    This built-to-last rocking seesaw is a fun way to get the wiggles out in the grass or in the playroom. The sturdy design can support up to 77 pounds, so even older kiddos can get in on the action.

    $79.99

    Baby forest fox ride-on

    janod toys baby fox ride on

    Toddlers will love zooming around on this fox ride-on, and it's a great transition toy into traditional balance bikes. If you take it for a driveway adventure, simply use a damp cloth to wipe down the wheels before bringing back inside.

    $79.99

    Meadow ring toss game

    Plan Toys meadow ring toss game

    Besides offering a fantastic opportunity to hone focus, coordination, determination and taking turns, lawn games are just plain fun. Set them up close together for the littles and spread them out when Mom and Dad get in on the action. With their low profile and rope rings, they're great for indoors as well.

    $24.75

    Mini golf set

    Plan Toys mini golf set

    Fore! This mini golf set is lawn and living room ready. Set up a backyard competition or incorporate into homeschooling brain breaks that shift focus and build concentration.

    $40

    We independently select and share the products we love—and may receive a commission if you choose to buy. You've got this.

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    Even 5 hours of screen time per day is OK for school-aged kids, says new study

    Researchers found screen time contributes to stronger peer relationships and had no effect on depression and anxiety. So maybe it isn't as bad as we thought?

    MoMo Productions/Getty Images

    If you've internalized some parental guilt about your own child's screen time usage, you're not alone. Numerous studies have shown that exposure to significant amounts of screen time in children leads to an increased risk of depression and behavioral issues, poor sleep and obesity, among other outcomes. Knowing all this can mean you're swallowing a big gulp of guilt every time you unlock the iPad or turn on the TV for your kiddo.

    But is screen time really that bad? New research says maybe not. A study published in September 2021 of 12,000 9- and 10-year-olds found that even when school-aged kids spend up to 5 hours per day on screens (watching TV, texting or playing video games), it doesn't appear to be that harmful to their mental health.

    Researchers found no association between screen usage and depression or anxiety in children at this age.

    In fact, kids who had more access to screen time tended to have more friends and stronger peer relationships, most likely thanks to the social nature of video gaming, social media and texting.


    The correlations between screen time and children's health

    But those big social benefits come with a caveat. The researchers also noted that kids who used screens more frequently were in fact more likely to have attention problems, impacted sleep, poorer academic performance and were more likely to show aggressive behavior.

    Without a randomized controlled trial, it's hard to nail down these effects as being caused directly by screens. The study's authors analyzed data from a nationwide study known as the Adolescent Brain Cognitive Development Study (ABCD Study), the largest long-term study of brain development and children's health in the country. They relied on self-reported levels of screen time from both children and adults (it's funny to note that those reported numbers differed slightly depending on who was asked… ).

    It's important to remember that these outcomes are just correlations—not causations. "We can't say screen time causes the symptoms; instead, maybe more aggressive children are given screen devices as an attempt to distract them and calm their behavior," says Katie Paulich, lead author of the study and a PhD student in the Department of Psychology and Neuroscience. Also worth noting is that a child's socioeconomic status has a 2.5-times-bigger impact on behavior than screens.

    Weighing the benefits with the risks will be up to you as the parent, who knows your child best. And because we live in a digital world, screens are here to stay, meaning parents often have little choice in the matter. It's impossible to say whether recreational screen time is fully "good" or "bad" for kids. It's maybe both.

    "When looking at the strength of the correlations, we see only very modest associations," says Paulich. "That is, any association between screen time and the various outcomes, whether good or bad, is so small it's unlikely to be important at a clinical level." It's all just part of the overall picture.

    A novel look at screen time in adolescents

    The researchers cite a lack of studies examining the relationship between screen time and health outcomes in this specific early-adolescence age group, which is one of the reasons why this study is so groundbreaking. The findings don't apply to younger children—or older adolescents, who may be starting to go through puberty.

    Screen time guidelines do exist for toddlers up to older kids, but up to 1.5 hours per day seems unattainable for many young adolescents, who often have their own smartphones and laptops, or at least regular access to one.

    Of course, more research is needed, but that's where this study can be helpful. The ABCD study will follow the 12,000 participants for another 10 years, following up with annual check-ins. It'll be interesting to see how the findings change over time: Will depression and anxiety as a result of screen time be more prevalent as kids age? We'll have to wait and see.

    The bottom line? Parents should still be the gatekeepers of their child's screen time in terms of access and age-appropriateness, but, "our early research suggests lengthy time on screen is not likely to yield dire consequences," says Paulich.

    Children's health

    Mom and gorilla bond over their babies at the zoo: ‘It was so beautiful’

    The new mothers shared a special moment at a Boston zoo.

    Franklin Park Zoo/YouTube

    Motherhood knows no bounds.

    When Kiki the gorilla spotted a new mom and baby visiting her habitat at the Franklin Park Zoo in Boston, she immediately took a liking to the pair. Emmelina Austin held her five-week-old son Canyon to the glass so Kiki could get a better look.

    The gorilla spent nearly five minutes happily pointing and staring at baby Canyon.


    Emmelina's husband captured the sweet moment on his phone, in a video that's now gone viral.

    Mother shares unique maternal bond with gorilla (FULL VIDEO) www.youtube.com

    Why was Kiki so interested in her tiny visitor? Possibly because Kiki's a new mom herself. Her fifth baby, Pablo, was born in October.

    Near the end of the video, Kiki scooped up Pablo and held him close. The new moms held their baby boys to the glass and shared a special moment together: just a couple of mothers, showing off their little ones.

    "When I walked into the zoo that day, I never could've imagined that we would have had that experience," Austin told ABC News. "It was so beautiful, and we walked out just over the moon."

    We can't get enough of the sweet exchange. There's something special about sharing your little one with the world. Mothers of all ages, races–and it turns out, species–understand.

    Our favorite viral mama + kid videos