Best maternity insurance (with guaranteed life insurance coverage)

Advice on best maternity insurance with guaranteed life coverage? Personally I feel that maternity insurance is useless (need persuasion), with the premium / coverage ratio, but the guaranteed life insurability (preferably with early ci riders inclusive) and some with guaranteed few years baby health coverage is what makes it feel worth it. Any of you mummies bought maternity insurance, and which one you think is the best? #advicepls #firsttimemom #firstpreganancy