An Uninsurable Child Benefit will be issued to an eligible child, age 0 – 23, of a member in good standing with the Association who applies for a policy and is declined because of health reasons. All underwriting procedures will be exhausted before policy is issued and will be approved at the sole discretion of the Board of Directors. The policy issued will be a premium paying select Whole Life policy, at standard rates, with all normal benefits and a face amount of $10,000.