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we used Viacord. Two kids (now 15 and 18)...felt like a term insurance policy and in retrospect not sure it was worth the money esp second time around. But a small (or big) price to pay for peace of mind of some kind, among the many things one eventually wasted money on as a parent.
I did cbr. Its insurance, base case is you wont use it. But just in case its worth it. Its 2k upfront and a few hundred a year, not much