Why do parents have life insurance policies on children?/?

I thought life insurance was supposed to be for parents or a major breadwinner in the family, so if something were to happen to them the family would be ok, not lose a house etc. Whats the purpose of it for children, just to cover the cost of buriel then? If you don't have enough money, god forbid to bury your child in case the person must have low income/no savings at alll, how are they affording the monthly premium then, although low. I think im missing something please enlighten me! Thank u