This is such an interesting thread! I have finally gotten through the whole thing and now would like to present this question to any ex-JW or current JW.
A long time ago I worked with a young girl who was a JW and she and I used to have very in depth talks about her religion. I was interested in knowing what she believed, not because I wanted to become a JW, but just curious about all religions in general that differed in any way from mine.(Non-denominational Christian).
Our boss had just become a Christian and had been struggling with losing her infant child some years ago to a horrible disease. She was finally at peace with her child's death and moving forward. She joined in on the talk one day about what JW's believe and the girl(JW) told my boss that her child was *NOT* in Heaven. I thought my boss was going to lose it, emotionally. I don't remember the specifics of what happened or what was said, but I do remember the girl saying that Heaven to JW is here on Earth, and only 144,000 will reign here with Jesus. Thus eliminating said boss's child from the equation.
My question is, was that girl right? Is that a correct interpretation of your beliefs or was she confused in some way?
Because I believe that if you have asked Jesus into your heart, then you will go to Heaven. And as a child is unable to do that until a time of accountability (different for everyone), then they will automatically be with Jesus when they die. And the 144,000 number that was mentioned IS in the Bible, in Revelation,(chapter 7, vs.1-8) but is only in reference to the twelve tribes of Israel in the end times, thus making them... Jews.
Sorry this is long. I've just been curious for a while about the beliefs held by JW also. Thanks to the OP for this thread!

And thanks for the info to all contributing!