I think if you have enough other assets to cover the "what ifs" then I personally don't see the value in you paying for something to benefit your children after your gone. Now if there are not enough assets in case of a spousal death... that different. But as far as leaving it for children...If they are grown .. then it on them to make the financial choices for themselves and their family paid for with their money.
I gave up life insurance awhile ago.