When we saw the prices we thought about why we would need life insurance on them. Funeral expenses would be the only reason. So we opted to not get it. I know funerals can be expensive, but were the worst to happen, the expense would be low enough for us to handle. I also know that anytime someone from my church has a child that dies, we as well as hundreds of other chip in to help them out financially. I would imagine the generosity would be returned if we became the grievers rather than the consolers.