Is it normal to have life insurance on your kids?
Yes, some parents have life insurance on their kids, though it’s not something every family needs. It’s usually meant to help cover funeral costs or lock in future insurability—not replace a child’s income.
It can feel unsettling to insure a child, but the usual reason is practical: a small policy could help with funeral expenses if the unthinkable happened. Some parents get coverage through a rider on their own policy; others buy a separate policy, which is less common. Most families don’t need a large policy for a child, since kids generally aren’t bringing in income the household depends on.
People have mixed feelings about it. Some see it as sensible planning; others would rather put that money toward savings or insurance for the adults in the family, whose income is more likely to support the household. Either way, having a policy doesn’t mean you’re expecting something bad to happen—it’s just one way some families plan for a worst-case scenario.