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Our wishes are always more than our abilities, that is why we need Allah to help us and protect us. We need always to supplicate and seek help from Allah to grant us our wishes and avoid us any harm. Efforts only can never fulfill our wishes nor protect us from unexpected harm and risk. Non Muslims do supplicate especially during hardships, and those who do not supplicate suffer serious problems. Millions of them run miserable life despite having worldly materials, but they feel lost because they have weak link with their Creator.

 All the Prophets and Infallible Imams used to put maximum efforts in the best way, still they used to pray Du'a. Du'a is the soul of worshiping Allah as the Hadeeth states. Du'a is our practical evidence that we believe in Allah, who is The Absolute Able, and the we as His creatures need His help in every moment and every matter in our existence. When the faith is string, the Du'a is more and those who do not supplicate and don't seek from Allah are the arrogant persons who ignore and deny their human nature and claim to be needless to Allah. Allah says in Quran: Seek from Me, I will respond to you. Surely those who feel bigger than worshiping Me, will enter Hellfire with humiliation.(Sura 40, verse 60).

Wassalam.

Wassalam.

Bismihi ta'ala

I am sure you know that in Islam, becoming an "adult" is not defined by turning 18 or 21. We see maturity to be reaching the age of taklif, where we become religiously responsible and accountable. 

As Muslims, we also know that obedience to parents has no age limit, and we show our utmost respect and reverence to our parents, as old as we get. The status of parents is above everything, and that is why you should not see it to be "control" in the negative sense.

Parents have authority over us, and in most, if not all cases, they want the best for us. As we grow, we must increase in our level of obedience to our parents, and cater for them as much as possible. We show this to ourselves, and to our children, so our children will learn from us. When we get old, we wont need to struggle, because we have shown our children the right Islamic way of how to treat elders. 

You must not disobey your parents, and always try your best to comply to their requirements and keep them happy with your behaviour and what you do. Please read about what our religion says about parents and the abundant reward we get in this dunya and akhirah when we show our obedience to them. 

Of course, we are talking about normal situations, but if one's parents are indeed evil, abusive and negatively controlling, then that would need to be dealt with in a wise way. 

With prayers for your success. 

Yes. Life insurance agreement is a valid and binding both the insurance company and the policy holder according our great scholars as one of the applications of the conditional gift الهبة المشروطة. 
Wassalam.

Edit: There is a narration that says, "When a believer [in heaven] wants a child, Allah will created him or her without pregnancy or birth in whatever form [his parent] wishes, just as He created Adam." (al-Ihtijaj, 2/130, ascribed to a letter from Imam al-Mahdi (A))

I am not sure what else is mentioned on this subject in our sources (perhaps someone can add something.). 

However, possibly they will not want to have children there because often our desire to have children in this world is affected by hormones or society, or the desire to procreate is put into our hearts through divine mechanisms to carry out the plan of God for humanity.

God knows best!