Specialty Products

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 an
Adult with Down Syndrome

(Indiana Residents Only)

So, you've been told that your loved one doesn't qualify for life insurance because he or she has Down Syndrome? I’m here to tell you that life coverage is available, even if they have been declined in the past.

In Indiana we have little trouble providing affordable life insurance coverage for our clients with Down Syndrome because the application only has one health question...

Here’s the 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?”

If the answer to that question is “No,” the life application will most likely be approved.

This 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.

Features

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 Pay 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
- For ages younger than 18, please visit this page -
18	$17.28	$52.63	$15.67	$47.73	$39.28	$119.65	$35.26	$107.39
19	17.51	53.34	15.89	48.42	39.87	121.44	35.82	109.11
20	17.75	54.06	16.13	49.13	40.45	123.23	36.41	110.90
21	18.00	54.83	16.37	49.87	41.09	125.15	37.02	112.76
22	18.26	55.62	16.63	50.67	41.74	127.13	37.67	114.75
23	18.55	56.50	16.90	51.49	42.46	129.32	38.35	116.80
24	18.85	57.43	17.19	52.36	43.22	131.64	39.06	118.99
25	19.18	58.43	17.49	53.27	44.04	134.16	39.80	121.24
26	19.51	59.44	17.79	54.19	44.87	136.67	40.56	123.56
27	19.87	60.53	18.10	55.15	45.76	139.39	41.35	125.94
28	20.25	61.69	18.43	56.13	46.72	142.31	42.15	128.39
29	20.65	62.91	18.77	57.16	47.72	145.35	43.00	130.98
30	21.07	64.18	19.12	58.25	48.76	148.53	43.89	133.69
31	21.52	65.53	19.50	59.39	49.87	151.91	44.83	136.54
32	21.98	66.94	19.88	60.55	51.03	155.42	45.78	139.46
33	22.45	68.40	20.28	61.77	52.22	159.07	46.78	142.50
34	22.96	69.93	20.70	63.04	53.48	162.91	47.83	145.68
35	23.48	71.52	21.13	64.37	54.79	166.88	48.92	149.00
36	23.95	72.95	21.55	65.64	55.96	170.46	49.96	152.18
37	24.45	74.47	21.98	66.97	57.20	174.24	51.05	155.49
38	24.95	76.00	22.44	68.34	58.46	178.08	52.18	158.93
39	25.48	77.62	22.89	69.72	59.79	182.12	53.31	162.38
40	26.03	79.29	23.36	71.15	61.16	186.30	54.48	165.96
41	26.80	81.65	23.84	72.61	63.10	192.19	55.68	169.60
42	27.61	84.11	24.33	74.12	65.12	198.35	56.92	173.38
43	28.46	86.68	24.83	75.63	67.23	204.78	58.16	177.15
44	29.33	89.33	25.35	77.22	69.40	211.40	59.46	181.13
45	30.24	92.11	25.88	78.84	71.69	218.36	60.79	185.17
For ages 46+ please contact Dave MacDonald

* Rates are current for 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)

Down Syndrome in the News...

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Life Insurance for an Adult with Down Syndrome

(Indiana Residents Only)

Features

Rates

Down Syndrome in the News...

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

Life Insurance for an
Adult with Down Syndrome

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