Yes, in time of loss, not many people are ready to jump back to work, and the majority of people live paycheck to paycheck. This adds a buffer. Also, children’s policies can be passed on to your children someday. Once a policy is in force, they have guaranteed insurability. If you wait, and your child develops a medical condition, they may become uninsurable. Children’s policies are relatively inexpensive, Starting while the child is young is good practice and highly recommended.