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Forever Their Guardian

Life Insurance for Special Needs Parents

Your child may need support long after 18. Find your age and tap See Price to see what you may qualify for.

See your rate by age

18-34 YEARS OLD
35-44 YEARS OLD
45-54 YEARS OLD
55-64 YEARS OLD
65-75 YEARS OLD

forevertheirguardian.com

A dad and his son sharing a book at home

No medical exam options

Availability depends on the policy and carrier.

Coverage up to $1,000,000

Depends on age, health and carrier.

Living benefits

Access part of your benefit after a qualifying critical, chronic or terminal illness.

Licensed agent, no obligation

Clear answers, with no obligation to buy.

Who Keeps the Plan Going If Something Happens to You?

You know the therapy schedule, the routines, the appointments and who to call. Life insurance puts money behind that plan, so whoever steps in has what they need, even if you're not here to carry it out.

What It Can Pay For

Therapy and medical care

Help keep their care going.

Housing and daily support

Support for the place and routines they rely on.

Transportation to appointments

Help getting to the care they need.

The mortgage and everyday bills

Money for the household expenses that continue.

Whoever steps in to care for them

Resources for the person carrying the plan forward.

Plan the Payout the Right Way

Many families who have a child with a disability work with a special needs planning attorney to set up a special needs trust, and name the trust, not the child, as beneficiary. Leaving money directly to someone who receives means-tested benefits such as SSI or Medicaid can affect their eligibility. We're licensed insurance agents, not attorneys, and this isn't legal advice, but your agent can help you with the coverage side.

Life Insurance You May Be Able to Use While You're Alive

Many policies let you access part of your death benefit after a qualifying critical, chronic or terminal illness, to help with lost income, bills and care while you recover.

Living benefits vary by policy and state, and qualifying conditions apply.

How It Works

  1. Step 1: Find your age

    Choose your age group on the chart.

  2. Step 2: Tell us your state

    Answer two quick questions about your state and tobacco use.

  3. Step 3: Get your price from a licensed agent by text

    Your assigned agent will text or call to review your options.

(785) 453-3354

Who We Help

A father and son reading together at home

Parents of kids with special needs

Put money behind the support plan you know best.

A grandmother and grandchild working on a puzzle together

Grandparents raising grandkids

Help protect the next chapter you're building together.

A mother and her child sharing a quiet moment on the sofa

Single parents

A plan for the people who count on you every day.

Common Questions, Simple Answers

You Take Care of Everyone. This Takes Care of the Plan.

See your options in about 60 seconds. It's free, and there's no obligation.

Prefer to talk? Call (785) 453-3354