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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...

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGKlIYP_2bKQSKb09jI1fFeBsV6dgamp;url=http://www.celiac.com/articles/22814/1/People-with-Celiac-Disease-Face-Higher-Risk-of-Thyroid-Autoimmune-Disorders/Page1.htmlimg src=//nt3.ggpht.com/news/tbn/0_iB5SL1rnbeHM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2Celiac.com/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGKlIYP_2bKQSKb09jI1fFeBsV6dgamp;url=http://www.celiac.com/articles/22814/1/People-with-Celiac-Disease-Face-Higher-Risk-of-Thyroid-Autoimmune-Disorders/Page1.htmlbPeople with bCeliac Disease/b Face Higher Risk of Thyroid Autoimmune Disorders/b/abr /font size=-1bfont color=#6f6f6fCeliac.com/font/b/fontbr /font size=-1Celiac.com 02/02/2012 - A team of researchers recently conducted a prospective controlled study on a gluten-free diet and autoimmune thyroiditis in patients with bceliac disease/b. The research team included S. Metso, H. Hyytiä-Ilmonen, K. Kaukinen, b.../b/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dOveQzEF-fAKXxMamp;ned=usnobrband morenbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serif/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEaUTrjTInBi0vI7te7O_qIlKbq0Aamp;url=http://www.necn.com/02/04/12/Fort-Collins-brewer-serves-ale-for-the-g/landing_health.html?%26apID%3D8a8ddd6d61f745658d079b10fffac1e0bFort Collins brewer serves ale for the gluten-free/b/abr /font size=-1bfont color=#6f6f6fNECN/font/b/fontbr /font size=-1There are intolerances to gluten and then there is a more serious disease called bceliac disease/b, a condition that damages the lining of the small intestine so that the body can#39;t absorb the food and nutrients needed. The damage is the result of a b.../b/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=doQ_8pB6_4vOhZMamp;ned=usnobrb/b/nobr/a/font/div/font/td/tr/table

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNH7Aje_uNMyh7xbC8pxNhCPxq8qIwamp;url=http://www.ourhometown.ca/lifestyle/RK0014.phpimg src=//nt1.ggpht.com/news/tbn/WUccAHWeoGWQPM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2OurHometown.ca/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNH7Aje_uNMyh7xbC8pxNhCPxq8qIwamp;url=http://www.ourhometown.ca/lifestyle/RK0014.phpbLiving Gluten-Free/b/abr /font size=-1bfont color=#6f6f6fOurHometown.ca/font/b/fontbr /font size=-1Mississauga - February 2, 2012 - The gluten-free diet is not only for people with bCeliac disease/b, but also for people looking to lose weight. As many as 300000 Canadians could have bCeliac#39;s disease/b, however, many remain undiagnosed, said Health Canada./fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHKjLwziaV7wlGiezvTgjZaWP_VmQamp;url=http://www.newsreview.com/reno/gluten-makes-me-sick/content?oid%3D5044765Gluten makes me sick/afont size=-1 color=#6f6f6fnobrReno News Review/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHXqCa71iDaGgMi3ZzqI57foIAthAamp;url=http://www.examiner.com/gluten-free-in-national/should-the-government-regulate-gluten-free-ingredients-restaurant-foodShould the government regulate gluten free ingredients in restaurant food/afont size=-1 color=#6f6f6fnobrExaminer.com/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGTJeZ1KMJFrGkVeqnHFjKK46YsyQamp;url=http://www.celiac.com/articles/22798/1/Holiday-Pumpkin-Bread-Gluten-Free/Page1.htmlHoliday Pumpkin Bread (Gluten-Free)/afont size=-1 color=#6f6f6fnobrCeliac.com/nobr/font/fontbr /font size=-1 class=pa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGsEKmRGiMySB-Cfh1jkdHNTPrUwAamp;url=http://www.shelbycountyreporter.com/2012/02/01/jeff-state-to-host-gluten-free-expo/nobrShelby County Reporter/nobr/anbsp;-a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGvDAw2SlWK4rn25kAu1XeeA2RiLwamp;url=http://www.myfoxhouston.com/dpp/health/120201-houston-glutenology-gluten-free-exponobrMyFox Houston/nobr/anbsp;-a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHNa7vdme8XD7XxUAMnIAaPTwm0Agamp;url=http://www.pr.com/press-release/387477nobrPR.com (press release)/nobr/a/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dJTmGfcpxChhjrMR00jBriZdLGo4Mamp;ned=usnobrball 10 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEkXLsU8Lk8bnJY8nJPEkvgIdo15gamp;url=http://www.post-gazette.com/pg/12026/1205878-34.stmimg src=//nt0.ggpht.com/news/tbn/JKPlIJZNtmnhJM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2Pittsburgh Post Gazette/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEYkqs6F5DmVMvelHnpeAgmuGj5Ygamp;url=http://wvgazette.com/Life/201201240283bKristin Mallory#39;s tips on living with bceliac disease/b/b/abr /font size=-1bfont color=#6f6f6fCharleston Gazette/font/b/fontbr /font size=-1Diagnosed with bceliac disease/b 15 years ago, Mallory learned to eat foods that contain no wheat or wheat products. CHARLESTON, W.Va. -- Kristin Mallory could barely keep up with her two young children after she and her husband moved from Maryland to b.../b/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEkXLsU8Lk8bnJY8nJPEkvgIdo15gamp;url=http://www.post-gazette.com/pg/12026/1205878-34.stmHold the gluten: Celiac tour kicks off here/afont size=-1 color=#6f6f6fnobrPittsburgh Post Gazette/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGE-KgFcLp0GRrMM4oJRwuUGtcLWgamp;url=http://www.examiner.com/gluten-free-food-in-atlanta/celebrities-who-eat-gluten-free-the-numbers-are-growingCelebrities who eat gluten free...the numbers are growing!/afont size=-1 color=#6f6f6fnobrExaminer.com/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGhE119_b7f9bk1_fRWoADS5cupNQamp;url=http://www.prweb.com/releases/2012/1/prweb9140494.htmGet Healthy With the 30-Day Gluten-Free Diet Challenge/afont size=-1 color=#6f6f6fnobrPR Web (press release)/nobr/font/fontbr /font size=-1 class=pa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHDBWzruvHeI0MjR_jXivtY-vnH_wamp;url=http://www.pittsburghlive.com/x/pittsburghtrib/lifestyles/fooddrink/s_778326.htmlnobrPittsburgh Tribune-Review/nobr/anbsp;-a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNG3ZM-0yyxZuLqCZqyN30toW2gzlgamp;url=http://portlanddailysun.me/node/31783/nobrPortland Daily Sun/nobr/anbsp;-a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNF2frU0eHAeFFBZBN-Q2jLTZ9bbaQamp;url=http://www.aarp.org/health/healthy-living/info-01-2012/truth-about-gluten-free-diet.html?intcmp%3DHP-spot4nobrAARP News/nobr/a/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dxFtlXqGiAgsCLMWgCJt1S20iRVpMamp;ned=usnobrball 20 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFIIhsN0r4mbycbbBNM2LRedwTsbgamp;url=http://www.philly.com/philly/blogs/mydaughter/138578729.htmlimg src=//nt1.ggpht.com/news/tbn/MR7jnbYaD6ZrvM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2Philadelphia Inquirer (blog)/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFIIhsN0r4mbycbbBNM2LRedwTsbgamp;url=http://www.philly.com/philly/blogs/mydaughter/138578729.htmlbPizza Pizza Pizza/b/abr /font size=-1bfont color=#6f6f6fPhiladelphia Inquirer (blog)/font/b/fontbr /font size=-1Since I was diagnosed with bCeliac Disease/b in 2005, my mom and I have been on a quest to find a good gluten free pizza. We did find one AWESOME place out in Doylestown PA, called Jules Pizza, and sometimes when I#39;m home my mom and I will go out there b.../b/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dizrTvgRhI4p_7Mamp;ned=usnobrband morenbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serif/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHhZQRD7zKQ6djIc_u-1dePXcs_-Aamp;url=http://fortgreene.patch.com/articles/the-secret-sipper-gluten-free-beer-at-cochinitabThe Secret Sipper: Gluten-Free Beer at Cochinita/b/abr /font size=-1bfont color=#6f6f6fPatch.com/font/b/fontbr /font size=-1And for those among us who are allergic to gluten or have bCeliac Disease/b, there#39;s no reason not to take in one of Brooklyn#39;s favorite extra-curricular activities. Take for instance the Redbridge Gluten-Free Sorghum Beer, which actually tastes like a b.../b/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dMA46j2nKuTna8Mamp;ned=usnobrb/b/nobr/a/font/div/font/td/tr/table

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHuO_PgpbKQdvVeZ0E8alP7wOX35wamp;url=http://www.celiac.com/articles/22804/1/What-You-Need-to-Know-About-False-Gluten-Free-Labeling-/Page1.htmlimg src=//nt1.ggpht.com/news/tbn/OaTK__J6NWU0xM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2Celiac.com/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHuO_PgpbKQdvVeZ0E8alP7wOX35wamp;url=http://www.celiac.com/articles/22804/1/What-You-Need-to-Know-About-False-Gluten-Free-Labeling-/Page1.htmlbWhat You Need to Know About False Gluten-Free Labeling/b/abr /font size=-1bfont color=#6f6f6fCeliac.com/font/b/fontbr /font size=-1By Melanie Weir While studying abroad in England in 2001, I was introduced to bCeliac Disease/b. I tried out the gluten-free diet, but was unsuccessful. In 2002, without knowing about my previous attempt at eliminating gluten from my diet, b.../b/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNFWRclp9VffIHSJRTwVgtz3DrxizQamp;url=http://www.wisn.com/health/30333961/detail.htmlStar Of #39;The View#39; Pens Gluten-Free Book/afont size=-1 color=#6f6f6fnobrWISN Milwaukee/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGhJuadrrb7w8TbjtMipe5ACbUJTAamp;url=http://www.theinsider.com/gossip/49286_Elisabeth_Hasselbeck_on_Going_Gluten_Free/Elisabeth Hasselbeck on Going Gluten Free/afont size=-1 color=#6f6f6fnobrTheInsider.com/nobr/font/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHvC2b3C3mJ7wPnNdHw4BMdpRvVsQamp;url=http://www.examiner.com/gluten-free-in-los-angeles/gluten-friend-or-foeGluten: Friend or foe?/afont size=-1 color=#6f6f6fnobrExaminer.com/nobr/font/fontbr /font size=-1 class=pa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGbRXFTZDhVwKQ1d3HxyaJt23XDpgamp;url=http://7liveonline.com/Elisabeth-Hasselbeck-on-living-a-gluten-free-life/8524949nobr7Live/nobr/anbsp;-a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGzELb2ygaAtNzUHMRzqo62WdOuMgamp;url=http://www.journaltimes.com/news/local/nonprofit-launches-gluten-free-store/article_b7f10e80-4b85-11e1-b5b1-001871e3ce6c.htmlnobrJournal Times/nobr/a/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dO4Vj--vw3rhttMKOQaG1q2xDOs-Mamp;ned=usnobrball 9 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serif/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNGxKvMCTJsH-BHKyOfLdbscHky0Hwamp;url=http://www.montenews.com/newsnow/x1622353965/Calendar-of-Events-Saturday-February-4-2012bCalendar of Events: Saturday, February 4, 2012/b/abr /font size=-1bfont color=#6f6f6fMonte News/font/b/fontbr /font size=-1By Anonymous • Gluten Intolerance Support Group - For individuals with an intolerance to gluten/wheat or diagnosed with bceliac disease/b. Jan Bartell: (320) 297-1103 or (320) 598-3355 or Anna Landmark: (320) 226-4569. • Sexual Abuse Survivors Support b.../b/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dBDYrZRf5iyKzCMamp;ned=usnobrb/b/nobr/a/font/div/font/td/tr/table

table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serif/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNF5NZvFhYuCR32U_tnADqZgT55ibwamp;url=http://www.morrissuntribune.com/event/article/id/27071/bFive Morris Area FCCLA students advance to state tournament/b/abr /font size=-1bfont color=#6f6f6fMorris Sun Tribune/font/b/fontbr /font size=-1Junior Katie Jergenson focused on the topic of healthy relationships, freshmen Tracy Meichsner and Bobbi Jo Kurtz presented on bCeliac disease/b and gluten-free living, eighth-grader Aaron Jones presented on healthy family meals and eighth-grader Jolene b.../b/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dOZrZqR8y_cICQMamp;ned=usnobrb/b/nobr/a/font/div/font/td/tr/table

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

Copyright © 2007-2012.  All rights reserved.