Specialty Products Life Insurance for Guaranteed-Issue Tax Preparers Health Insurance for College Students About Us
Our Companies Fort Wayne
Fort
Wayne Indiana |
 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
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So, you've been told that your child doesn't qualify for life insurance because he or she has Cerebral Palsy. I’m here to tell you that life insurance coverage is probably 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 cerebral palsy. And it couldn't be easier to qualify...our application has only one health question:
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This 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
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Graded Death Benefit |
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| $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
Residents of Other States
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Our agency is presently licensed to write this plan only in the States of Indiana & Ohio. We will be adding other states in the near future. Please email Dave MacDonald to inquire when your state may be added. |
Indiana Support Organizations
To have your organization included here, please send an email to Dave MacDonald. |
Cerebral Palsy in the News...
 MedIndia | Infants Born Late at Risk for Cerebral Palsy Medscape September 2, 2010 — Infants born later than 40 weeks are at increased risk of developing cerebral palsy, say researchers. Clinicians typically consider ... Postterm birth increases cerebral palsy risk: Study |
 TopNews United Kingdom (blog) | Timing of Delivery May Affect Cerebral Palsy Risk WebMD 31, 2010 -- Babies delivered at 37 or 38 weeks -- or at 42 weeks or later -- are at increased risk for cerebral palsy compared to those born at 40 weeks, ... Babies Born Late May Face Small Cerebral Palsy Risk Risk of Cerebral Palsy Increased with Late-Term and Premature Births Slightly Premature Babies At Risk For Cerebral Palsy |
 Kansas City Star | Botox manufacturer: $600 million poorer, but closer to new uses TIME (blog) Botox was promoted for migraine relief and juvenile cerebral palsy, for which observational data suggests it is effective. When a drug has been approved for ... Botox Settlement for $600M Reached to Resolve Lawsuits Over Marketing Allergan Pleads Guilty, Settles Botox Investigation Botox maker to pay $600M to resolve investigation |
£4m awarded to cerebral palsy woman The Press Association A teenager with severe cerebral palsy is to receive £4 million in compensation. The family of the 18-year-old woman, who cannot be identified, brought High ... Teenager wins £4million compensation from Rochford Hospital |
Strong currents end Bristol Channel swim attempt BBC News A swimmer has been thwarted in his attempt at a two-way crossing of the Bristol Channel to raise funds for a four year old boy with cerebral palsy. ... |
Pedal power: Man cycling to raise awareness for cerebral palsy Charleston Post Courier Chris Lyman, a 44-year-old attorney, with his 6-year-old son, Bower, who has cerebral palsy. Lyman is riding his bicycle 2100 miles from Bar Harbor, Maine, ... |
Birth Late or Early Ups Chance of CP MedPage Today Infants delivered either early or late are at increased risk of cerebral palsy, a large Norwegian population-based study found. The study, which analyzed ... |
 NorthJersey.com | Scouts earn Silver Award NorthJersey.com ... Cavagnaro from Kinnelon Girl Scout Troop completed their Silver Award Service Project this summer at the Passaic County Elks Cerebral Palsy Center. ... |
Brothers Sentenced in Attack On Bicyclist at Lake Morton The Ledger BARTOW | Two teenage brothers who attacked a bicyclist with cerebral palsy were sentenced Wednesday to probation. Kevonta Isaac, 15, center, ... |