How To Leave Life Insurance To Children? 
Since minors can not control their life insurance proceeds , you could name a trusted adult who will make sure that the death benefit is used in a responsible manner for the welfare of the children . Or you can set up a trust and make the trust the beneficiary of the policy . In the trust , you can spell out how and when you want the proceeds distributed to the children , name a trustee , and have more control than by naming another person as beneficiary . 