Who would like to go to medical exams before getting an insurance? In the first place, you are going to pay for it, anyways. Well, I understand the logic though. Good thing that there are now life insurance no exam offers. I remember that my father in law had that kind of insurance. He did try to save for her daughters then. My wife knew that I guess thus she really loves her father. Love begets love.
For our child, we did prepare for his future. It might not be enough yet but at least we have started.