Insurance for Toddler and Baby

I’ve bought only hospitalisation insurance for my kids, because I think that’s the most important. Didn’t buy life insurance for them, because I’d hate the thought of them dying and then getting money from it. They can buy it themselves next time. My parents got me to buy life insurance just before I turned 21 because the premium is much cheaper than buying at an older age. It’s probably what I’d do for my children. When the kids go to primary school, I think there should be a group accident coverage, if they still keep up that practice from last time.