你傻, 万一父母都不在，

万一父母都不在，ofcause孩子不再能靠父母了. Money won't help much too.If you die, your don't need worry about your kids, kids will be cared by social security anyway, it does'not make much difference with or without insurance. financy is not the problem by that time. kids lost parent will be cared by relatives or foster home. I will foster one more kid without any condition if i found an orphan, even i have 2 sons already.