Starting a Family

Term life insurance quotes seem much cheaper then whole life, why is that? What makes it less expensive?

I have a universal life insurance policy that fully covers my wife’s income and expenses for years (I’m the breadwinner), but does my wife need a policy as well? She works part-time.

Are there any benefits to Child Life Insurance? Is it even worth is?

I am 46 and I am the sole income earner in our family. I currently have life insurance, but someone recently told me that I should consider getting disability insurance as well. Do most people have disability insurance, is it common? What factors should I consider to decide if I need it or not? do not get disability insurance from my employer.

I don’t have any life insurance yet and my wife asked me about this the other day, when do I need it? Are there certain circumstances (such as health or age) that make it more important to get life insurance?

I want to start saving more money, but I am really concerned about losing money and I don’t want to take too much risk. Where kinds of investments should I consider?