Life insurance for adults with Special Needs


(Indiana & Ohio Residents Only)
So, you’ve been told that your loved one doesn’t qualify for life insurance because he or she has special needs. I’m here to tell you that life coverage may be available, even if they have been declined in the past.

In Indiana and Ohio our agency provides affordable life insurance coverage for our clients with conditions like Autism, Cerebral Palsy, Down Syndrome, Diabetes, Epilepsy, Multiple Sclerosis, or Obesity. And it couldn’t be easier to qualify because the application only has 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,” please keep reading.

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.


  • NO medical or physical exam – only one (1) health question
  • Premium is fully-paid in 20 years
  • Policy builds cash value


Life insurance for adults with special needs


* Rates are current as of January, 2017, 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.

See also: Seguro de vida para adultos con necesidades especiales

(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

Our agency is presently licensed to write this plan only in the State of Indiana and Ohio.

We will be adding other states in the near future. Click here to inquire when your state may be added.

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