Maybe youv’e done this already, but would a doctor’s letter that describes CAH including the treatment,care and outcome help with the life insurance? (I thought our kids could live a normal, healthy life with proper treatment and follow up).  I have the gerber grow up plan since she was a baby-for both my girls, (one with SWCAH).  Also, before you blame yourself for your child’s problems, see what the MRI says.  He could have problems totally unrelated to the CAH.  My daughter is 9, started puberty at 7/8 and there wasn’t any intervention, she just happens to be developing earlier than her sister did.  I feel for you because my daughter with SWCAH has gone through some medical issues and it was very stressful.  We got through them however, wouldn’t we as parents be stressed with our non-CAH kids having problems too?  Hope this helps, good luck, and prayers.