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G. A. MacDonald Associates, Inc.

Financial Management & Insurance Services
2200 Lake Avenue, Suite 120, Fort Wayne, Indiana 46805
Phone: (260) 422-5377 Fax: (260) 423-6780 Toll-free: (877) 341-5377

Life Insurance for a
Child with Celiac Disease

(Indiana & Ohio Residents Only)

So, you've been told that your child doesn't qualify for life insurance because he or she has Celiac Disease. I’m here to tell you that life insurance coverage is now available, even if the child has been declined in the past.  Our agency provides affordable life insurance coverage for our clients with special needs, including celiac disease. And it couldn't be easier to qualify...our application has only one health question:

"Are you currently confined to a hospital or  hospice, or have you been told by a medical  practitioner that you have a terminal illness?"

"No"

Our plan guarantees anyone age 5 to 80 the opportunity to purchase up to $25,000 of permanent whole life protection by answering one simple health question. No medical information or exam is required. The death benefit in years one to three is limited to a return of premiums paid in the first year, 50% in the second year and 100% in the third year and thereafter. The full face amount of the policy is payable in all years in case of accidental death.

Plan Features

  • Choose from a $10,000 or $25,000 life benefit
  • NO medical or physical exam - only one (1) health question
  • Premium is fully-paid in 20 years
  • Policy builds cash value for your child's future
  • Provides a $10,000 or $25,000 benefit for accidental death

Rates

Graded Death Benefit
Indiana & Ohio Whole Life Insurance Policy
20-Year Level Pay
$10,000 or $25,000 Benefit
INDIANA & OHIO
Premium Rates *

$10,000 Benefit $25,000 Benefit
  Male Female Male Female
Age Monthly
EFT **
Quarterly Monthly
EFT **
Quarterly Monthly
EFT **
Quarterly Monthly
EFT **
Quarterly
5 $11.09 $33.79 $9.88 $30.10 $23.82 $72.54 $20.79 $63.34
6 11.67 35.54 10.15 30.93 25.25 76.92 21.47 65.39
7 12.27 37.37 10.42 31.75 26.75 81.49 22.14 67.44
8 12.91 39.33 10.71 32.62 28.36 86.39 22.86 69.63
9 13.58 41.37 11.01 33.55 30.04 91.49 23.62 71.95
10 14.29 43.54 11.32 34.48 31.82 96.92 24.38 74.27
11 15.03 45.79 11.64 35.46 33.67 102.56 25.19 76.72
12 15.82 48.18 11.97 36.46 35.63 108.52 26.01 79.24
13 16.63 50.64 12.31 37.50 37.65 114.68 26.86 81.82
14 17.47 53.21 12.66 38.56 39.76 121.10 27.73 84.87
15 18.34 55.86 13.02 39.64 41.93 127.73 28.62 87.19
16 18.75 57.11 13.29 40.49 42.96 130.84 29.32 89.31
17 19.16 58.35 13.57 41.34 43.98 133.96 30.01 91.43
18 19.57 59.60 13.86 42.21 45.00 137.07 30.73 93.61
For ages 19+ please see our adults with special needs rates

* Rates are current for Indiana in 2009 and subject to change without notice. Upon issue, rates remain level for twenty years, after which time the policy is paid in full and no premiums will be due.

** Monthly (EFT) - Bank draft from a checking account on the same day each month.

This page and illustrations provided are for summary purposes only and contain a general outline of coverages provided.  This is not a contract or policy. For a complete and detailed description of coverages and exclusions, refer to the policy forms. Eligibility is subject to underwriting approval by the insurance company.

(Indiana & Ohio Residents Only)

For more information, please send an 
email to Dave MacDonald or call us:
Toll-free: (877) 341-5377
Local: (260) 422-5377


Indiana Support Organizations

Celiac Disease in the News...


PR Web (press release)

Dr. Mike Celiac Disease
MyFox Philadelphia
Gluten-free foods have flooded the market with the increase of people with Celiac Disease. But is avoiding wheat and gluten products a good way to lose ...
Celiac Disease & Gluten Disorders WorkshopWYMT
Smoke Signals: Can barbecue sauce be healthful?Washington Post (blog)
Contamination of Naturally Gluten-Free GrainsCeliac.com
Celiac.com
all 8 news articles »


Vashon-Maury Island Beachcomber (blog)

A Grandfather's Legacy For His Celiac Grandkids
Vashon-Maury Island Beachcomber (blog)
Last night I was contacted by a reader, Alek Komarnitsky, that happened to come across my blog because his children have Celiac Disease. ...



Celiac Diagnosis: Why Do One in Four Suffer a Decade or More?
Celiac.com
Celiac.com 09/02/2010 - About a quarter of people who suffer from celiac disease or gluten intolerance spend a decade or more complaining to doctors before ...



Professor Leroux From ETH Receives the Debiopharm Life Sciences Award 2010
PR Newswire (press release)
Currently different approaches are being assessed as a supportive treatment of celiac disease. The polymeric binder technology which was developed in his ...

and more »


Giving Up Gluten To Lose Weight? Not So Fast
Wall Street Journal
The bevy of new products, from gluten-free pasta to pizza and beer, are a boon to people with celiac disease, wheat allergies or gluten sensitivity who are ...
Giving Up Gluten to Lose Weight? Not So FastWall Street Journal

all 4 news articles »


Health Tip: Signs that You May Have Celiac Disease
BusinessWeek
(HealthDay News) -- Celiac disease is a digestive condition that usually damages the small intestine and interferes with nutrient absorption. ...
How Would Celiac Disease Change Your Diet?Washington City Paper (blog)
Cereal Killers: Celiac Disease and Gluten-Free A To Z Reveals New Insights ...Benzinga

all 8 news articles »


SQI Diagnostics Submits FDA 510(k) and Health Canada Medical Device License ...
CNW Group (press release)
Celiac disease is a digestive condition brought on by the consumption of the protein gluten, which is found in foods containing wheat, barley or rye. ...

and more »


Private MD

Celiac disease is on the rise
Private MD
Individuals who have ever had a bad reaction or experienced indigestion after eating a wheat, barley or rye product may benefit from celiac disease testing. ...



Pistachio-Filled Gluten-Free Recipes Now Featured on TheGreenNut.org
PR Newswire (press release)
30 /PRNewswire/ -- With more than 3 million Americans suffering from celiac disease and other gluten allergies(1), TheGreenNut.org has teamed up with Simply ...

and more »

Google News

 

For general information e-mail: Dave MacDonald
G. A. MacDonald Associates, Inc.
Fort Wayne, Indiana

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