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: Jun 3, 2021

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The Brief

  • Parents can easily purchase a whole life insurance policy for their child after an autism diagnosis
  • Only children with severe medical conditions classified as high-risk will see higher rates
  • Whole life insurance policies for children start at as little as $2.80 per month

If you are a new parent, planning for your child’s financial future is a must, which is why you need to learn more about whole life insurance for autistic children.

Keep reading to learn how autism can affect life insurance rates for autistic children and how you can find the right provider for your family.

Are you ready to start shopping for a life insurance company for autistic children? Enter your ZIP code above, and we will help you find the right policy at the right price.

Do children with autism pay more for life insurance?

The answer to that is; sometimes. Life insurance companies take many factors into account when determining every person’s risk class, which, in turn, affects the rates they will pay.

For children with autism, this will include how well they can care for themselves and if they have any medical conditions limiting their quality of life.

The vast majority of children diagnosed with autism will not see very much change in their rates. For those who are able to live independently and are healthy, there will be little if any change to how much they pay.

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Should I purchase child life insurance?

It is a good idea to buy life insurance for autistic children and any children if you can.

The majority of children’s life insurance comes in the form of whole life policies. This means that the coverage continues throughout the child’s life.

In addition, life insurance for kids offers much lower rates than policies for adults. Many policies start at less than $5 per month, and these rates are locked in at the time of purchase.

Here’s an idea of how cost-effective these policies can be.

Gerber Life vs. Mutual of Omaha Children's Whole Life Insurance Average Monthly Rates
CoverageGerber Life Average Monthly RatesMutual of Omaha Average Monthly Rates
$5,000$3.27$2.80
$10,000$6.53$4.61
$15,000$9.80$6.41
$25,000$15.70$10.02
$35,000$21.98$13.63
$50,000$31.40$19.04
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Purchasing a policy for such a lower rate can give your child a huge financial advantage. Particularly if your child develops a serious illness later in life that would classify them as high-risk.

High-risk rates are often unaffordable for the average individual and often come with lower coverage amounts as well.

How can I get the most affordable life insurance for autistic children?

One of the first things to consider is purchasing life insurance for your children as early as possible. Most life insurance companies will start offering policies as early as 14 days.

The vast majority of children are not diagnosed with autism until they are toddlers, by which time the rates for life insurance will be locked in.

However, if your child was recently diagnosed with autism and this isn’t an option, it is always a good idea to start comparison shopping for the best life insurance policy available.

Luckily, you can purchase life insurance for children from a plethora of providers.

While there is no one life insurance company for autistic children, most providers will still underwrite for autistic children without classifying them as high-risk.

Are you ready to start comparing life insurance quotes for autistic children? Enter your ZIP code below, and we will help you find a policy that suits your child’s needs.