Life insurance for a child with Autism

Call us today: (260) 422-5377 or (877) 341-5377

(Indiana & Ohio Residents Only)

Special Needs Life Insurance

autismSo, you’ve been told that your child doesn’t qualify for life insurance because he or she has been diagnosed with Autism or Asperger’s Syndrome? I’m here to tell you that life insurance coverage is now available, even if your child has been declined in the past. Our agency provides affordable life insurance coverage for our clients with special needs, including autism. 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?”  If you answered “no,” keep reading.

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, $15,000, $20,000 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

Call us today: (260) 422-5377 or
                                      (877) 341-5377 (toll-free)


Autism life insurance rates for children age 5-18


* Rates are current for Indiana & Ohio as of January, 2017, 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.

For ages 19+ please see our adults with special needs rates.

Call us today: (260) 422-5377 or
(877) 341-5377 (toll-free)
or email Dave MacDonald 


Autism News — ScienceDaily

Autism symptoms and new approaches to treatment. Read current research on autism including early diagnosis of autism spectrum disorders, genetic factors and more.
Omega-3 fatty acids, vitamin D may control brain serotonin, affecting behavior and psychiatric disorders
Wednesday February 25th, 2015 02:41:09 PM

Although essential marine omega-3 fatty acids and vitamin D have been shown to improve cognitive function and behavior in the context of certain brain disorders, the underlying mechanism has been unclear. In a new paper, serotonin is explained as the possible missing link tying together why vitamin D and marine omega-3 fatty acids might ameliorate the symptoms associated with a broad array of brain disorders.
Unique emotion recognition treatment leads to significant improvement in children with high-functioning autism
Tuesday February 24th, 2015 06:11:57 PM

A unique emotion recognition treatment has been found highly effective for children with high-functioning autism. Children in the treatment group demonstrated significantly improved emotion-recognition skills and lower parent ratings of autism symptoms.
Growth hormone treatment improves social impairments in patients with genetic disorder known to cause autism
Thursday February 19th, 2015 06:30:30 PM

A growth hormone can significantly improve the social impairment associated with autism spectrum disorder (ASD) in patients with a related genetic syndrome, researchers report. The study results focus specifically on the use of insulin-like growth factor-1 (IGF-1) to treat Phelan-McDermid syndrome (PMS), a disorder caused by a deletion or mutation of the SHANK3 gene on chromosome 22. Along with facing developmental and language delays and motor skill deficits, most people with PMS also have autism spectrum disorder.
Autism genes activate during fetal brain development
Wednesday February 18th, 2015 07:13:23 PM

Mutations that cause autism in children are connected to a pathway that regulates brain development, scientists have found. The researchers studied a set of well-known autism mutations called copy number variants or CNVs. They investigated when and where the genes were expressed during brain development.
New insight into a fragile protein linked to cancer and autism
Wednesday February 18th, 2015 07:13:19 PM

In recent years, scientists have found a surprising a connection between some people with autism and certain cancer patients: They have mutations in the same gene, one that codes for a protein critical for normal cellular health. Now scientists have reported that the defects reduce the activity and stability of the protein. Their findings could someday help lead to new treatments for both sets of patients.
Tadpole model links drug exposure to autism-like effects
Wednesday February 18th, 2015 01:29:33 AM

In utero exposure to the epilepsy drug VPA appears to elevate the risk to babies of developing an autism spectrum disorder. A new study used a tadpole model to investigate VPA’s effects on developing neural physiology and behavior. Researchers now hope to use the model to develop an intervention and to learn more about the underlying causes of neurodevelopmental disorders more broadly.
Brain imaging links language delay to chromosome deletion in children with neurological disorders
Tuesday February 17th, 2015 06:11:16 PM

Children born with a DNA abnormality on chromosome 16 already linked to neurodevelopmental problems show measurable delays in processing sound and language, says a study team of radiologists and psychologists.