Life Insurance for an Autistic Child

Getting life insurance for an autistic child does not have to be difficult. You can try and take out a life insurance policy on your autistic child, or you could take out a life insurance policy on yourself and ensure your child gets the benefits of the policy.

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Dianna Taylor writes and researches for sites in the insurance and finance industry. She has a degree in English and a teaching license in secondary English. She has written on and researched topics including real estate, insurance, education, finance, chronic illness, mental health, parenting, teens, and children.  Her work has appeared in Class, Scary Mommy, and Yahoo Life.

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Written by Dianna Taylor
Insurance and Finance Writer Dianna Taylor

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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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The Highlights

  • If you have a child that has autism, you might be worrying about life insurance for them
  • Autism can affect one’s ability to adequately care for themselves, and it can also increase the costs of life insurance
  • There are ways to ensure that your child is covered under your life insurance policy, even if you cannot get a separate life insurance policy for them

Life insurance for an autistic child can be stressful to think about. Will your autistic child be able to take care of themselves once you are gone? Can they get a life insurance policy to help cover their needs in the future?

These are all important questions that parents with an autistic child will have. There are ways to get life insurance for you and your family, but if your child doesn’t qualify for life insurance coverage, it’s not the end of the road. You’re able to fill out an application and take control of the situation, and ensure their future is stable.

At the end of the day, life insurance for children with autism is all about protecting their future. We’ll go over the basics and look at some ways you can work around life insurance if your child doesn’t qualify for coverage.

If you’re ready to buy life insurance for your family, enter your ZIP code above to compare quotes. Finding the right life insurance company can be done from the comfort of your own home.

Can my autistic child get affordable life insurance coverage?

Yes, your autistic child should be able to get life insurance coverage. However, the cost of their life insurance will depend greatly on their overall health condition, how severe their autism is, and if they have any other underlying health issues. There are quite a few resources available should you need to look into how to buy life insurance. You’ll be able to find coverage amounts, the various types of life insurance, and what types of coverage a child should have.

Children with autism can still be rated above standard by life insurance companies, but this will depend on the company and on the specifics and severity of your child’s autism.

Health Rating Class and Cost of Life Insurance
Rate Class / Risk ClassBasic Pricing
Preferred Plus / Best50% of Standard
Preferred63% of Standard
Standard Plus / Select86% of Standard
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As you can see, all health ratings above standard pay less for life insurance. This includes whole life insurance and universal life insurance policies, but it is important to note that these policies are more expensive than term life insurance policies and often have more rigorous medical exam requirements.

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What if I can’t get life insurance for my autistic child?

If you cannot get child life insurance for your autistic child, your best option is to take a life insurance policy out on yourself. The Insurance Information Institute has good resources when it comes to finding the best life insurance policy to meet your needs.

Here are a couple of things to keep in mind. If you intend for your life insurance policy to one day take care of your child when you are gone, make sure that you create a trust for them and name the trust as the policy’s beneficiary.

Why? Because life insurance benefits could disqualify your child from Medicaid, Medicare, and other assistance programs if they are receiving them as an adult. If there is a trust that slowly pays out the benefits of your life insurance policy over a period of time, you can ensure their assistance is not disqualified.

Also, many insurance policies allow you to add a child rider for a small fee. This could be a great way to get your autistic child life insurance without having to get a policy in their name.

If you’re ready to compare cheap life insurance quotes, enter your ZIP code below. Finding more than one quote can help lead to a more stable financial situation for you and your family.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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