As before, I must preface this by saying that only if you as the parent/adult are already saved  
can you truly answer a child’s questions regarding salvation. 
Only God can guide your words to speak appropriately.

3. Why does a person need to be saved? 
4. What is sin?
and  
5. How old does a person have to be to get saved?
How can I understand, Mom?
The Bible tells us that every person has sin in his heart. We also learn from studying God’s Word that God cannot have sin in heaven, and if we keep sin in our heart He cannot hear our prayers [except for the prayer of salvation] or allow us into Heaven to be with Him.  We have to ask Jesus to wash away the sin in our heart to have God take us to heaven.
Simply put, sin is breaking God’s Law. Another simple explanation of sin is “anything that I may think, say, or do that does not please God.” some examples are: lying, hitting, disobeying, thinking mean thoughts. {Be specific when dealing with your own children. Give examples of things you know they have done that are sin.}
If you know the difference between right and wrong and you understand that there are consequences to doing wrong, then you are old enough to be saved. There is no specific age that God says, “You cannot be saved before you are xxx years old.” But neither is there an age that God says, “All people are old enough after they are xxx years old.”  {If your child is asking these questions, it is possible that they are indeed ready to make the decision to ask Jesus to save them. But this is an area where parents must ask God for wisdom in guiding each individual child.}
some Scripture reading: [again] John 3; 14:6; 
Romans 3:23; 5:6-21

Next week’s questions: How does being saved take your sins away? / Can a person be saved without asking Jesus?

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