Life insurance is a good idea for your children because the child life insurance policy will ensure that your child is insurable into adulthood. 

For Example:

A child is added to a $20,000 term rider on their parents life insurance policy, along with all their other siblings, all for one low price. The child is found to have a congenital heart condition, corrected by surgery, but the diagnosis follows them. At age 21, the now young adult is able to convert their $20,000 to $100,000 of permanent life insurance rated Standard. 

Or, you can buy your child his own life insurance policy and provide several benefits for you and your child.

Child life insurance is affordable, starting for just a few dollars per month for up to $30,000 of life insurance coverage.

Child life insurance policies provide money that can be used to pay for your child's funeral and burial, it guarantees your child life insurance as an adult, your child's life insurance rate is guaranteed to remain the same, your child may be guaranteed the option of adding additional life insurance as an adult, and the life insurance policy cannot be cancelled for any reason, such as, due to a change in health or future occupation, as long as the premiums are paid.

Here's how you can buy low cost child life insurance online for your children tray.