Now, that Equitable is revamping their product to have a minimum age of 50, it looks as if I will have to put UHL back in my kit. They will accept insulin dependent juvenile onset diabetics down to age 20with immediate benefit. Of course, the premium is high ($25.64 10K age 20 M NT) but most companies that issue their products down to the young adult agents decline juvenile onset diabetes.. Are there other companies for this segment of the market?