Believe it or not, some life insurance policies extend coverage to your adorable grandkids. Most child riders on a term life insurance policy are designed to cover biological children and legally adopted children. Still, they can often be extended to grandchildren if you're their legal guardian.
However, keep in mind that this is temporary coverage. If you wish for your grandchildren to have permanent coverage, consider adding them to your permanent life insurance policy instead. With this option, they will still be protected even when the initial term expires. Just remember to review the terms carefully with your insurance provider so you fully understand how many children these protections apply to your specific situation.