Which life insurance company writes policies for children with down syndrome or obesity?
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Which life insurance companies writes policies for children with down syndrome? Which life insurance companies writes policies for children with down syndrome?
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Finance1o1.blogspot.com ® 6:01 pm on August 6, 2010
A simple solution is to add a child rider to the parent’s life insurance policy. There should be no reason to sell individual life insurance policies on each child. If you do, then you have no soul.
The company I work for don’t sell life insurance policies on children. We add a child rider to the parent’s life insurance policy. Guess what? We only sell one life insurance policy per family. The entire family is covered in one policy. When the child becomes 25 years old, the child can get his or her own life insurance policy and get 10 times the original coverage without the need to provide proof of insurability. Lets say I put $25,000 of coverage on the child. When the child reaches 25 years old, the child can get $250,000 coverage.
mbrcatz 6:01 pm on August 6, 2010
The parent can go directly to Globe Life or Mutual of Omaha . . . but when you "run the numbers" for the parent, you’ll probably discover that for a funeral cost only policy, parent is better off just putting $50 in a savings account every month.
Lauren F 6:01 pm on August 6, 2010
Unfortunately, since very few children with down syndrome make a lot of money they are not likely to need life insurance to replace their income. In the event they marry or have children, social security might be an option for them. For planning for burial expenses, an ordinary savings account with deposits equal to what it might cost for a life insurance policy might be a better way to go.
Or, have one of the parents work for a large company that provides group benefit plans, and possibly get a small amount of coverage ($10k) through a group provided plan.
Andre 6:01 pm on August 6, 2010
Here is a good site to find more info The National Down Syndrome Congress