Abrams Insurance can help because we know of one particular life insurance company which does not
underwrite children riders.
The main reason why we especially like Principal Life Insurance Company for special needs children is that they do not
underwrite their child riders.
Not exact matches
Additionally, most companies that
underwrite ROP term policies offer policy
riders such as accidental death and dismemberment (AD & D),
children's term insurance, and waiver of disability and accelerated death benefits.
With these
riders, basic information about the
child's health is typically required for
underwriting purposes.
The majority of life insurance companies will ask questions about the status of your
child's health before they will
underwrite this
rider.
The company does not
underwrite the
rider which is advantageous for special needs
children.
Jane's eldest is older than 18 so she would not be covered by the
child rider; however, her twins and her seven - year - old daughter who has been diagnosed with acute lymphoblastic leukemia fortunately will be covered by Principal since they do not require medical
underwriting for
child riders.