Quoting dork; hot mess.:" So does mine, I was just making an observation. And "drop dead" was obviously not a serious statement. ... [snip!] ... considered the complete lack of danger knowledge many Autistic children have when I was thinking about life insurance denials."
And while I don't agree with it, I can sort of see where they are coming from with denying on that aspect.
No insurance company wants to pay out. To them, its the same risk as insuring a blind person to work in a glass blowing factory - danger everywhere and they might not be able to see it to avoid it.
OP - I would check other companies. You should be able to get him on one of those life long kid plans with someone, maybe at a higher rate, but many of them can lock in a rate now that can go through to adulthood, so as long as you keep paying and then your child keeps it up as an adult, they could have insurance. Might be expensive, but you should be able to get a plan.
Come to think about it, Sunlife Fiancial gave us a quote and approved my son RIGHT after his diagnosis last year (had a friend that was starting to sell it and did it all up) but we never went through with it because we couldn't afford it, but he was approved so check with them. An accountant in our support group though actually encourages putting the money into a Registered Disability Savings Plan instead. She said for the amount you put into insurance, and don't get back, you could have saved at least twice as much with that and the govt chips into to.