Hi Hau kola - yes we do worry about our kids - there are too many kids in our family that have been left without a parent, and I said that we were well insured and I wasn't joking. We are not particularly well off, but we have wills and trusts and insurance up to our eyeballs to make sure that at least they wouldn't have to worry about income if anything were to happen to us. We are also lucky enough to have enough family and friends available to ensure that they would always have a loving home.
This song:
http://youtube.com/watch?v=sIAOFjt6xeE
always makes my kids feel really well looked after, we say that it is about guardian angels and how their granparents and uncles look out for them when they are scared.