text: what is the best type of life insurance for a single mom, trying to plan for the future care of a young child? i am a 21 year old mother of one (2 year old) and am seeking life insurance, to reassure myself that my son will be taken care of should anything happen to me. life insurance won't take care of a kid.  a caring adult will.  what would a 2 year old do with $100,000?