Life Insurance for Medically Fragile Kids

It is nearly impossible to find Life Insurance for medically fragile kids.  Even the Gerber Grow up plan will deny them.  As soon as they find out they have a pre-exsisting condition, the Insurance company runs the other way.  I don't blame them.  But that sticks parents with knowing they will someday have to come up with thousands of dollars for funeral and burial expenses.

We have discovered one chink in the system.  If you/or your spouse (the parents of the child with disabilities) qualify for life insurance, then you can get something called a "rider policy".  The rider policy we have is $10,000 coverage and only costs a few additional dollars per month.  It covers all of our children until they turn 21.

When signing up for the rider policy I asked very specific and pointed questions telling them that my daughter is medically fragile, has a lot of medical needs, we know she is going to die, etc.  And I asked them if they would cover her and they said yes.

Have you added a rider policy?  Have you discovered any other life insurance "hacks"?  Please share tag and like our FB page.