grrrrr. Yes, you are the person who needs life insurance. Only 1 in 13,000 children make it big in sports, btw. Please have a legal expert read your policy (unless it says flat out that in the event of any attempt...policy is automatically cancelled) IF that's true, then you should at the very least be able to collect back all the premiums you've paid since the first attempt, as they collected money for a cancelled policy at that point.