If you die, your spouse can marry again, your kids will be able to work at some point and so on, there are no additional costs. If you're disabled, it becomes a massive, long-term, cost burden.
Please, compare the costs of:
* Widow(er) raising two kids
With:
* Married couple raising two kids, while one of the adults has a severe permanent disability, requiring constant care, huge medical bills, etc.
Do you understand now why disability insurance is more important than life insurance?
Remarrying rich and the kids eventually getting jobs is not a plan I would be ok with.
If you have to choose between disability and life insurance, go with disability insurance. If you have enough money to pay for both, pay for a lot of disability insurance and some life insurance. Probably 10-20 times more disability than life.
You explained your suggested alternative to life insurance. Really don't think I need to copy paste that to you. Try the parent button.