Insurance for little one

hello! i think it's me again! for this i can share also because i tried to get IP for my son but was rejected by all the insurance(tried all the insurance companies) .however, ii was informed by my agent that by 3 years old i can apply again when my child condition is more routine. so just gotta wait until our kids turn 3 🥰 i managed to get the life plan thou but hospital one have to wait when his older abit. hope this helps!