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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 Down Syndrome

(Indiana Residents)

Plan Features
How Much Does It Cost?

Support Organizations
Down In the News...

So, you've been told that your child doesn't qualify for life insurance because he or she has Down Syndrome? 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 specializes in providing affordable life insurance coverage for our clients with special needs. 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?”

Our plan guarantees anyone aged 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 Whole Life Insurance Policy 20-Year Level Pay $10,000 or $25,000 Benefit INDIANA 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	14.19	43.22	13.22	40.25	$31.56	$96.13	$29.12	$88.71
6	14.37	43.78	13.35	40.65	32.02	97.52	29.45	89.70
7	14.56	44.36	13.49	41.08	32.49	98.98	29.80	90.76
8	14.79	45.05	13.64	41.55	33.06	100.70	30.19	91.96
9	15.02	45.77	13.81	42.06	33.65	102.49	30.60	93.21
10	15.27	46.51	13.99	42.61	34.26	104.34	31.06	94.61
11	15.53	47.30	14.18	43.20	34.91	106.33	31.54	96.06
12	15.80	48.12	14.38	43.80	35.58	108.39	32.04	97.59
13	16.07	48.95	14.60	44.47	36.26	110.44	32.58	99.24
14	16.33	49.74	14.82	45.13	36.91	112.43	33.13	100.90
15	16.58	50.51	15.03	45.79	37.54	114.35	33.67	102.56
16	16.82	51.22	15.24	46.43	38.13	116.14	34.19	104.15
17	17.05	51.94	15.45	47.06	38.72	117.93	34.71	105.74
18	17.28	52.63	15.67	47.73	39.28	119.65	35.26	107.39
For ages 19+ please see Adult Down Syndrome Rates

* Rates are current for Indiana in 2008 and subject to change without notice. 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.

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

For more information or to receive
a life insurance application,
contact Dave MacDonald
Toll-free: (877) 341-5377
Local: (260) 422-5377

(Indiana Residents Only)

Indiana Support Organizations

Down Syndrome in the News...

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Life Insurance for a Child with Down Syndrome