They don't need to be the beneficiary, but they'll want to have an assignment of collateral so that they get paid off before your beneficiary does.A term policy will be very inexpensive.A general rule of thumb is that if the premium is tax deductible, then the death benefit will be taxable too. The

I also have enough saved to try and get a baby mortgage but again not enough income.

Highly efficient and will explain it to you as if you were a baby if you require that.

She told us she was raising her 3 grandchildren for her daughter and usually she was there in person to meet with us but on some occasions we would meet with the "Baby Sitter" instead and we always thought that the "Baby Sitter" was actually the daughter and that she was the one actually living in the house but we couldn't prove it.

I'm in the process of closing on a property in Abington but have been fighting tooth and nail in Mt Airy, as the good ones go quick.

My wife and I just welcomed our newborn baby to the world and my wife is currently on maternity leave.

With the increase of baby boomers retiring, and people wanting to downsize earlier in life, there will likely be an increase in demand for these types of facilities. 

I'm a "Marine brat" from years ago...both my Dad (served almost 30 years), My Mom (served a couple until having babies), and my oldest brother (served his 4 then became a police officer until retiring with the force).

Our lease allows us to sublease for one year minimums which we plan to do for about $2500/mth + utilities including escalation clause.In this cozy little neighborhood of upwardly mobile millennials looking for a fun place to live, work and play and the well healed Baby Boomers seeking a cute place to hang out, take long walks on the beach, bike the many miles of beautiful coastline, golf, fish or surf to your hearts content.  

And congrats on the upcoming baby as well.