[user104658]

Well, go have_. had two years of IVF we at least can guess that they have the cash to support the child whether they live long lives or not.

My only real caveat would be, that they have someone 100% on board with being the child's new parent should they die or become unable to be primary carer, and that that person is a major part of the child's everyday life up until that point and has as strong a bond with them as the parents themselves. No matter how much a child is loved, you can't underestimate the damage that losing both parents and then going to a stranger or relative stranger does to a child. It would have to be that, if the parents do die, the child can continue their life without it being turned upside down, and with someone who they already know and love.