I don't know how life insurance works though. Please inform me on how I would get life insurance for my baby.
Baby's don't need much life insurance. The mother needs life insurance coverage to provide financial security for the baby in case the mother dies.
You may want to get a term life insurance policy for yourself with a "children's rider". That way you have a death benefit for your child's burial costs in case your baby were to pass away.
If you want to save money for your child you can put money into some kind of investment or savings program. But Life insurance is not an investment.
Also, there are children's life insurance plans that provide lifetime protection, offer guaranteed level rates, and guarantee your child life insurance protection as an adult. Also, your child may be able to add more life insurance to the plan when the child becomes an adult, even if he/she has a health issue or high risk occupation.
Learn more about how you can purchase a child life insurance policy for your baby.