If you are a parent or grandparent please consider bidding on this gift certificate for a life insurance needs analysis from fee-only financial adviser Kay Conheady, of Apropos Financial Planning. Note that Kay does not sell insurance products. The bearer will receive a completely objective and thorough review of your need for life insurance coverage, taking over 20 different variables into consideration. This review will determine how much life insurance coverage is needed to protect the bearer's dependents against the bearer's premature death. The analysis will also provide recommendations about what type of insurance policy to obtain and where to go to get the most cost effective coverage possible. You are encouraged to bid on this gift certificate for your own use or to give to someone whom you love and fear may not be carrying enough life insurance. This gift certificate is ideal for parents of young children, especially single parents, but would also make a great gift to an adult child or grandchild who is a parent