F.E. Cheat Sheet And/or Health Questionaire

I think the rider is a potential E & O claim. Can you imagine a jury where two grandchildren are killed in a car accident, "but the agent said all the grandchildren were covered!" No agent or insurance company will win that one!
 
I think the rider is a potential E & O claim. Can you imagine a jury where two grandchildren are killed in a car accident, "but the agent said all the grandchildren were covered!" No agent or insurance company will win that one!

It's easy to explain it correctly. There is no need to mislead anyone.
 
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