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...
Man with cerebral palsy lured girls into sex acts Vancouver Sun OTTAWA — An Ottawa man with cerebral palsy who convinced twin 13-year-old girls in Britain to disrobe and ... Canadian man with cerebral palsy who trolled Internet for teens, finding 2 in ... Give disabled lurer a break: Lawyer |
Jansens hosts 45s Party for Cerebral Palsy of Mideast Wisconsin Oshkosh Northwestern Cerebral Palsy of Mideast Wisconsin will be benefiting from a 45s Party being held at Jansens on Sunday, March 14 from 1:00 pm - 5:00 pm Dancing, food, ... |
Student with Cerebral Palsy achieves black belt goal this weekend WEAU-TV 13 Last week we told you about a determined young lady with Cerebral Palsy who spent the week preparing for her black belt test in karate. ... |
Celebraties step onto dance floor to raise money for United Cerebral Palsy Herald & Review But the real highlight of United Cerebral Palsy Land of Lincoln's annual Life Without Limits Celebration was the cause. Brenda Yarnell, United Cerebral ... Decatur celebrities to dance for United Cerebral Palsy fundraiser |
 Focus Taiwan News Channel | Cerebral palsy child moves first lady with 115-word letter Focus Taiwan News Channel Taipei, March 8 (CNA) An 8-year-old girl with cerebral palsy successfully invited first lady Chow Mei-ching to attend a concert late last year with a ... |
Health insurance for mentally challenged kids Times of India LUDHIANA: Spelling a ray of hope for children suffering from various developmental disabilities, including autism, cerebral palsy, mentally challenged and ... |
 BBC News | Stem cells may help at-risk preemies Arizona Daily Star Tucson is the site of an unprecedented public program to save umbilical-cord blood for babies at risk of developing cerebral palsy. ... Another cord blood bank opens in Calgary |
Born with cerebral palsy, he found release in the water The Salem News Born with cerebral palsy, Gardner's waking hours were usually spent in a wheelchair or walker. That is, when he wasn't engaged in some outdoor activity like ... |
Police:special needs driver moonlighted as drug dealer The Patriot Ledger Detectives said they watched as the woman sold Oxycontin from a van in which three children with cerebral palsy and her own 7-month-old baby were passengers ... Kingston Police: Bus driver sold drugs on the job |