I have a child, and I have zero life insurance on her. What would I possbily need life insurance on her for? At 2, we are not dependent on her income. If I did have life insurance on my daughter, it would not just be lying around in the living room, it would be in a drawer. Particularly if I was having financial difficulies and planned on killing her, and then cutting the screen from the inside.
A $10,000 life insurance policy will barely cover the cost of a funeral these days. Guess you can afford the costs out of your pocket.
In my extended family, every child is covered with a 25,000 life insurance policy upon birth. These policies can be used later on for other purposes including education or home down-payments through the buildup of cash value.
But then we believe in providing for our own as opposed to letting others provide for us through the welfare system.
So just maybe you will admit that the life insurance policy is not necessarily as big an issue as you think. But then, I forget, you have all the facts and have convicted her based upon your life experiences.