Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 18, 2021

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The Brief

  • Your disabled child should be able to find a life insurance policy, but you can also add your child to an existing life insurance policy in your name
  • Life insurance rates are likely going to be higher for disabled children than for other children the same age
  • When searching for coverage, be sure to consider creating a special needs trust for your child to avoid losing eligibility for public assistance

Finding the right life insurance for a child can be challenging. Finding life insurance for a disabled child can be even more complicated. 

Life insurance companies that offer life insurance for disabled children can be tricky to spot, but it’s not impossible to find one you like.

While there are many options for life insurance for mentally challenged children, you may feel overwhelmed with the options, the cost, and making the right decision.

Life insurance for a child with down syndrome or other disorders will be more difficult to find than life insurance for a standard policyholder. And you may be curious about certain aspects of coverage, like how to factor a life insurance death benefit into your research.

As you search for life insurance rates for disabled children, you may find that rates are higher than the average life insurance rates for children the same age. But comparing quotes from multiple companies will help you find the best rates for your child.

During your quest to find life insurance quotes for disabled children, be sure to use our free tool above to compare rates from multiple companies at once.

Can I get life insurance for my disabled child?

Regardless of your child’s specific condition, you should be able to find life insurance coverage for them. The most challenging part of your search may be finding affordable life insurance for disabled children.

You will never know how much different companies charge for life insurance coverage for your children until you begin comparing quotes from multiple life insurance companies at once.

As you research the best life insurance coverage, you want to pay particular attention to your consideration of policy types and benefit amounts.

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What type of policy should I get for my disabled child?

If your child is disabled, you will likely want to find a policy that stays in place long-term and won’t increase you rates. This is true whether your child is a beneficiary of your policy or has their own.

Buying term life insurance will typically get more expensive as your child ages. Because of this, it may be a better idea to pursue a permanent life insurance policy for your child.

Permanent life insurance will stay in place as long as someone is paying the premiums. Rates on a permanent policy should not increase as long as all premiums are paid on time.

Because some permanent life insurance policies accumulate a cash value over time, this adds another incentive to use a permanent policy for your special needs child.

If you decide to purchase a permanent life insurance policy, you will need to research whether you want whole or universal life. Each policy comes with its own list of benefits, so take your time when deciding.

You can also reach out to representatives from different life insurance companies and ask their advice on what type of policy to purchase, whether it should be in your name or your child’s name, and how to get started.

While there is no specific life insurance company for disabled children, plenty of companies will offer coverage to your child.

Should I consider a graded life benefit for my special needs child?

Depending on the severity of your child’s condition, certain life insurance companies may assign a graded life benefit.

A graded life benefit dictates how and when benefits associated with a specific policy will be paid.

For instance, instead of paying one lump sum when a person passes away, a graded life benefit can be paid out multiple times over the course of a beneficiary’s life.

Additionally, you will want to consider any and all penalties to your child associated with a life insurance payout. Because many disabled children and adults rely at least partially on government assistance, it is imperative their eligibility for financial aid must stay constant.

Depending on individual policy options and death benefits, the state could challenge your child’s status and eligibility when receiving a payout from your policy or using part of the cash value associated with their own permanent policy.

You may want to speak with an attorney about your options when it comes to ensuring your child always has eligibility for public assistance.

Some caregivers decide to create a special needs trust for their disabled child to avoid the potential dangers and mistakes that could happen otherwise.

What are the best life insurance companies that offer life insurance for disabled children?

When it comes to life insurance for disabled children, some of the top-rated companies that offer options to disabled children include:

  • Breeze
  • Guardian Life
  • Assurity
  • Principal Financial Group
  • Mutual of Omaha

You are the only person who will know the best life insurance company for your family and your disabled child. There is no guarantee that these companies will be able to meet your child’s needs, but they may be worth researching.

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What are the life insurance companies that don’t offer life insurance for disabled children?

No single company or group of companies will refuse to offer coverage or life insurance options to disabled children. Instead, the company will increase its rates if it considers your child and their disorder high-risk.

As you compare life insurance rates from companies online, you will start to see which companies offer more options when it comes to your child’s condition.

The only way to know for sure is to see which companies offer competitive rates. If you are looking to buy life insurance for disabled children, be sure to use our free tool below to compare rates from top companies near you.