Whole Life Coverage on a Child. Issue Age: 0-17. Guaranteed Insurability Option: Adds $25,000 of coverage every 3 years from ages 25-40.
| Condition | Trialed | Decline |
|---|---|---|
| ADD/ADHD | If Currently Disabled | Diagnosed and Currently under the age of 9 |
| Asthma | Asthma Under the age of 3 | Asthma under 3 years old, Diagnosed within 1 year, Daily Symptoms |
| Autism | If Currently Disabled | Diagnosed and Currently under the age of 9 |
| Cerebral Palsy | Auto-Trial | Applicant under the age of 10 |
| Chronic Kidney Disease/Glomerulonephritis | — | Applicant under the age of 15 |
| Diabetes (Insulin) | — | Insulin Dependent |
| Down Syndrome | Auto-Trial | — |
| Hydrocephalus | Auto-Trial | Applicant under the age of 19, Diagnosed within the last 6 mo |
| Jaundice at Birth | Auto-Trial for Head Start Applications | — |
| Kidney Transplant | Auto-Trial | Transplant within 1 year, Transplant before age 16 |
| Lupus/Systematic Lupus Erythematosus (SLE) | — | Applicant under the age of 19 |
| Pancreas Transplant | Auto-Trial | Transplant within 2 years, Transplant before age 16 |
| Premature Birth | Auto-Trial for Head Start Applications | — |
| Seizures | Seizures under the age of 18 | — |
| Sickle Cell Anemia | — | Applicant under the age of 22 |
| Transplant (Other than Kidney/Pancreas) | Auto-Trial | Transplant within 1 years, Transplant before age 16 |
| Ulcerative Colitis | — | Applicant under the age of 20 |