Child has the following impairments: 

• Bedridden or confined to a hospital indefinitely (Eligibility for Coverage is 15 days – 17 years old, so this would apply to that age range) 
• Has been diagnosed AIDS, ARC, HIV, Sickle Cell Anemia, Lou Gehrig’s Disease (ALS), Quadriplegia, Paraplegia, Down’s Syndrome, Mental Incapacity, Major Heart Condition, Metastatic cancer, Cystic Fibrosis, or Muscular Dystrophy 
• Possible Alternative: Purchasing a life policy on yourself, if there is insurable interest (There is someone that is financially dependent upon you or would be at some form of a significant financial loss in the event of your death), and adding a child term rider (term insurance, usually from $1,000 – $25,000, that can be added onto a new life insurance policy with certain carriers).  This could serve as a possible solution depending upon the severity of the child’s health conditions that indicate a decline for children’s whole life insurance.  This would only apply to your children (biological, step, or legally adopted) and would exclude grandchildren.  And a child term rider cannot be added to already existing policies. 

(These are general guidelines provided to help give you an idea of what health class you may be eligible for.  Underwriting guidelines will vary among different insurance carriers. Other Stipulations and risk classifiers for certain conditions, medications, lifestyles, and activities may affect your eligibility for an anticipated health class or a policy in general. An insurance carrier’s specific underwriting guidelines will supersede any of the information provided here. It is in your best interest to speak with a licensed insurance advisor to assess your eligibility for life insurance by reviewing the insurance carrier’s underwriting guidelines for any quote/application inquiry)