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Life Insurance in Special Needs Planning

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Families with special needs are just like every other family – except where they are not… Here are some extra considerations when working with families who have children with special needs, courtesy of a top producer with experience in the field.


Brad Elman
Brad Elman

Families that have a child with special needs should initially approach their life insurance program like any other family.

The fundamental question to ask is, “What is the economic impact to the family if Mom and/or Dad were to die?” For most families, the loss of one or both parents is emotionally and financially devastating. As complex as this scenario is for typical families, families with special needs are especially vulnerable if one or both parents die.

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