For those of you who read, you know I am all about planning. We recently took our exams for Gianna's large life insurance policies and just got the results back. We both got the highest health ranking- which means the best rates...GO US! So if anything were to happen to myself or the hubby (God forbid), Gianna and the other spouse would be very, very well taken care of. It feels good to be doing so many responsible things for our family. We have already looked into 529 plans and as soon as she is born we are opening that up for her too.