Life insurance company rejected covering my medically complex child, but we’re paying his child rider premiums – is he covered?

Shortly after he was born, I submitted an application for life insurance for myself and a child rider for my newborn. He given a diagnosis for a rare medical condition around the same time, which was included in the application. IMO the main benefit of the rider is that it gives him the option to covert it to his own life insurance without evidence of insurability when he is of age, which may be the only way he would ever be insured. My medical exam, medical files, questionnaires were all supplied. From what I could tell, the policy was approved the day I signed in September, since I was billed my premium + rider the say day, which I paid. A week or so later in October, I received a letter stating the company will not cover my son, and the local agent is asking me to sign an amendment to my application that essentially states that I request that he be removed from the application. So I'm confused about his coverage – if I'm paying a child rider premium and he is named in the application but rejected in a post-signing letter, is he covered?

submitted by /u/discwth9
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