You are aware that is industry wide, and has to do with laws in various states? Hopefully you understand why it is generally a bad idea to have a child insured when the parents aren't?
That is, unless you are stating the parents have to have their life insurance with Farmers specifically to insure the child. That would be very strange, to ignore the parents' outside life insurance when deciding whether to insure the child.
Guess I just gave you proof that I'm only in my 6th month as no I was not aware that it is industry wide. I will go back and hit the books. Thanks for correcting my post.