This is why my cousin was cremated. He died at 23 and no one had the money to pay for a proper burial for him. It took two years to get his headstone and from what I understand my aunt and uncle are still paying off the cremation.
Yes. 10,000 with gerber life. If she died this would pay for a funeral. Would you be able to pay funeral costs if your child died, if not, you need life insurance for them.
Also, if you buy whole life, the child at 21 can continue the policy, and will pay dividends eventually, they can at some point cash it out or take a loan from it. Premiums are cheap for kids, too. It's not a perfect product, but as many have pointed out, it does pay for a funeral and if as they grow up they develop medical conditions that make them harder or impossible to insure, they have a policy in place