Hi I wonder could anyone give me any advice please. A friend of mine took out a life insurance policy in 2005 which included critical illness for any children from 30 days old until 18 years old. In Dec 2015 her 15 month old only child was diagnosed with Leukaemia. She wanted to claim on this policy for her child only to be told the child wasn't covered until she was 3 years old. On checking other insurance companies they all offer cover from 30 days old. Is there any statute with insurance companies or can they all choose there own terms