To add on, after I delievered, I wanted to buy insurance for my son from GE. He is premature but apgar reading was excellent, may be better then some full term babies.. A very healthy and strong boy. But GE came back to say that I need to wait till my son is 1yr old. What??? They asked for apgar reading. If they cannot accept premature babies, made it clear. Why ask for apgar reading and make me and the rep wasted time and effort to go through the tedious documentation? Furthermore they are not cheap. In the end I bought from AIA, at least they have specifics to what I need and not compulsorily bundled with this and that, items which you may not want. So to this I have to thank GE for rejecting. I paid a lot lesser with AIA.