Life Insurance for Autistic Child

Life insurance for an autistic child is much easier to get under a parent or caregiver's policy. Life insurance companies will allow you to add an autistic child as a rider. Autistic child life insurance is a high-risk life insurance option. High-risk life insurance can cost $200 per month or more. However, you can save money and buy life insurance for yourself with the autistic child as the beneficiary. Compare multiple companies and shop around for the best life insurance rates for an autistic child..

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Written by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Jul 19, 2021

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Quick Facts

  • Autistic child life insurance may be considered high-risk insurance.
  • Whole life insurance is the best option for life insurance for autistic children.
  • You can add an autistic child as a rider.

Life insurance for an autistic child is the same as getting life insurance on any other child. However, life insurance companies may treat the conditions of your life insurance policy differently.

Some life insurance companies consider special needs children as high-risk recipients. And high risk could mean higher life insurance premiums.

To prepare you for autistic child life insurance, we’ve created this article to guide you through what you can expect when you want to insure an autistic child.

Most of the information will point to permanent life insurance, which ensures the special needs child has the wealth to live on if you pass away.

For affordable life insurance for an autistic child, you can compare life insurance for an autistic child right now by entering your ZIP code in our FREE comparison tool.

Can a child with autism get life insurance?

Yes. Autism doesn’t disqualify anyone from life insurance. However, life insurance companies may consider an individual with autism a high risk to insure.

Each life insurance company is different, so you’ll have to shop around for life insurance companies who are familiar with insuring special needs individuals.

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What is autism?

According to the National Institute of Neurological Disorders and Stroke, autism is a neurodevelopmental disorder that involves repetitive and characteristic habits and challenges with social interaction. Individuals with autism also have a difficult time communicating.

Autism arises when the brain doesn’t develop properly in the early stages of development — specifically before two years old. Signs of autism begin to show around two to three years old.

How Life Insurance Companies Underwrite for Autistic Children

As the primary caregiver of an autistic child, you would have to present the child’s entire medical history to a life insurance agent. This is only if the life insurance company has agreed to give an autistic child an individual policy.

The most common method of how autistic children receive life insurance is through your permanent life insurance policy. You can add your autistic child as rider on your life insurance policy.

However, if you manage to get a life insurance policy for an autistic child, you may pay higher-than-average life insurance rates. These rates could be as high as $200 per month, depending on the autistic child’s spectrum and medication.

What’s the process of buying a life insurance policy for an autistic child?

The life insurance process may take a few days. Waiting for life insurance can make you anxious if you’re under pressure to buy some. As you’re shopping for life insurance, think about these four steps:

  1. The first step to buying a life insurance policy is to contact the company and let them know you want life insurance for an autistic child.
  2. The life insurance company and its agents will ask you questions about the physical and mental health of the autistic child.
  3. Once the life insurance has completed its investigation, they will talk about the options they can provide.
  4. The ideal option to get life insurance after going through the first three steps.

If the autistic child can’t be insured through an individual policy, take out a life insurance policy on yourself, and add the autistic child as a rider.

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How can a parent’s life insurance help an autistic child’s future?

Term life insurance is an acceptable life insurance policy for those seeking cost-efficient ways to insure livelihoods. However, permanent life insurance holds a better investment option.

And if you have a child with autism, you must have something to leave behind or a sizable investment to deal with increasing costs.

In the next few sections, we’ll go over why permanent life insurance is better than term life insurance, how to get instant approval for life insurance, and other coverages that help debts after you’ve passed away.

Permanent Life Insurance vs. Term Life Insurance

If you’re looking to buy life insurance for an autistic child, you may be interested in the difference between permanent and term life insurance.

Let’s watch this news report on term vs. permanent life insurance before we move along.

Term life insurance is cheaper than permanent life insurance (whole life insurance). It guarantees a payout 10 to 12 times of your current salary, and it ensures any heirs or spouses are taken care of once you’ve departed.

However, life insurance companies keep the money from your term life insurance policies after the policy expires. For the short-term, term life is an excellent idea.

To ensure your autistic child, spouse, or life partner has everything they need for the long term, get a permanent life insurance policy. You’ll get the same benefits as term life insurance, and you’ll be able to use your life insurance policy to pay off debts and assets while you’re living.

Final Expense Insurance

You can cover all your bases and purchase final expense insurance in addition to permanent life insurance. Final expense insurance will take care of burial costs and other debts after you’ve passed away.

If you leave a massive permanent life insurance policy behind, this life insurance policy should kick in and save part of permanent life insurance cash value.

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How to Get Instant Approval for Permanent Life Insurance

Although an autistic child can’t get instant approval, you can. This is why it’s much easier for the caretaker/parent to get life insurance and add an autistic child as a rider. Here are things you need for instant approval:

  • Age
  • Height and Weight
  • Lifestyle Choices
  • Medical History

Younger individuals get cheaper life insurance rates. If you share your medical history with the life insurance company, they can estimate your rates based on your health and lifestyle choices. Let’s review the average cost of life insurance by the best companies in the United States.

Average Monthly Life Insurance Rates by The Best Life Insurance Companies
CompanyAverage Monthly Life Insurance RatesA.M. Best Rating
Banner Life$9A+
Guardian Life$10A++
Haven Life$11A++
John Hancock$11A+
Mutual of Omaha$12A+
New York Life$11A++
Northwestern MutualN/AA++
Pacific LifeN/AA+
State Farm$15A++
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Maintaining a positive mental lifestyle and physical health could get you life insurance much faster. And it can mean cheap life insurance rates per month.

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Life Insurance for an Autistic Child: The Bottom Line

The way for an autistic child to receive life insurance is through the parent or caregiver. It’s not that life insurance companies can’t get an autistic child life insurance; it’s just less convenient to get life insurance for them.

The more healthy the policyholder is, the easier it is to get the life insurance policy you’re searching for. And the best life insurance policy in your position, if you have an autistic child, is permanent life insurance.

Take advantage of our FREE comparison tool and enter your ZIP code below to secure life insurance quotes for an autistic child. Which life insurance company for an autistic child is for you? Find out now.

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