[mikester]

Whole life insurance at 20 years; Granted you'll have to continue paying the premiums for the next 20 but once it matures it will pay for itself and they can withdraw from it as they need almost like a trust fund. It doesn't have to be a lot - maybe $100k or $250 but they will have it their entire lives as long as you maintain it for the first 20 years my son's is less than $600 a year.