You've stocked up on baby powder and diapers. You've bought the crib, walker, playpen and stroller. You're already wait-listed for the most exclusive preschool in the city. But no amount of planning will prepare you for the day when your child is born. All of a sudden, you're cradling another human being that will look up to you for love and guidance.

As your children travel the long and never-dull road from infancy to adulthood, you will nurture them, worry about them, scold them, and love them. Most of all, you want to protect them. We want them to grow up in a stable world, one in which they are physically safe and financially secure.

To help safeguard your children's financial futures, start here:

Review Your Insurance Coverage Is your coverage still adequate? Draft or Update Your Will How to distribute your assets after you are gone Buy Juvenile Insurance Insure the life of a minor or young child

Learn About the Tax Benefits of Children Tax breaks related to children New York Life Teams Up with Upromise "The Way to Save for College" Don't Name Minors as Policy Beneficiaries Legal complications and considerations

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