I agree with the article in The Globe and Mail, on a majority of insurance products that you can live without, with the exception of child life insurance. I do feel that, it is a useful tool in helping to set your kids up for the future.
http://www.theglobeandmail.com/globe-investor/personal-finance/household-finances/insurance-products-you-can-probably-do-without/article1816590/
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