Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 30, 2021

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The Lowdown

  • If you have a child with autism, they may not qualify for a life insurance policy
  • Life insurance for autistic children often comes at higher rates because of the child’s diagnosis
  • You can set up your own life insurance policy so that your child receives the benefits once you’re gone

If you have a child with autism, you may be curious about purchasing the best life insurance policy. Life insurance for autistic children can be a difficult and stressful topic. You want to ensure your child is completely taken care of and covered in the future.

Depending on several different factors, you may be able to purchase an individual life insurance policy for your child. Life insurance for autism can be more expensive because of a person’s diagnosis, but that is not always the case.

Whether you choose to purchase life insurance for your autistic child, or whether you plan to add them to your existing life insurance policy, there are a few things you should know before you make any final decisions.

Because life insurance for a child with autism can be tough to navigate, it’s important you do your homework to figure out what type of policy your child needs, or whether your child needs a standalone life insurance policy at all.

Whether you are looking for a term or whole life insurance policy, you should compare several options before choosing any one company.

If you are searching for the best life insurance rates for autistic children, be sure to enter your ZIP code into our free tool above to see which options would work best for your family.

Does autism affect life insurance?

Because autism impacts many aspects of the underwriting process for virtually every life insurance company, autism does often affect a person’s life insurance options and life insurance rates.

There is not a single life insurance company for autistic children. This means that life insurance companies will often differ in how they deal with this type of policy and how much they will charge in rates.

A few of the factors most insurance companies will consider when underwriting a policy for an autistic individual include:

  • Where the individual lands on the spectrum of autism
  • Whether the individual has additional pre-existing conditions
  • Any medications the individual takes on a regular basis
  • How autism impacts the individual’s activities of daily living

It is likely that your child will need to have a medical exam and submit medical records to the insurance company so the company can assess your child’s risk profile.

Because autism is considered a pre-existing condition, you can almost always assume that life insurance for autistic children will cost more than for the average individual.

If your child is considered high-functioning, there is a chance they will be given standard rates. But based on all the factors, that is not as likely.

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Should my autistic child get permanent life insurance?

If your child is approved for a life insurance policy, whether you choose a term or permanent life insurance policy will depend on the family’s needs and the family’s budget.

Permanent life insurance policies never expire and come with a cash value, which you can withdraw to help with things like medical bills.

Term life insurance policies are much less expensive, but they do not carry a cash value and they expire after a specific pre-established amount of time.

If you buy life insurance for your autistic child and you choose a permanent life insurance policy, be sure to set up a trust with a clearly defined trustee to ensure your child will not lose necessary government benefits.

Can my autistic child benefit from my life insurance policy?

If your child does not qualify for a life insurance policy—or if the policies are not what you want for your child—you may be able to use your own life insurance policy to help meet their long-term care needs.

In order to help your child without incurring any legal or financial ramifications down the line, you will want to do your homework to ensure everything is set up just as it should be.

You may want to name your child as the beneficiary of your life insurance policy. But since this could put your child at risk of losing public assistance like Medicaid or Supplemental Security Income, it’s best to create something like a special needs trust.

A special needs trust is a separate entity that can be set up as the beneficiary of your policy. This way, you can name a close family member as the trustee and highlight how all life insurance benefits are to be used for your child’s well-being when you are gone.

You can do your own research to get something like this started, or you can seek help to make sure you’ve done it all properly. Groups like the Special Needs Alliance will be able to help point you in the right direction.

Are there life insurance discounts for autism?

Life insurance companies do not offer discounts for autistic children. Rather, the likelihood is that, if your child is autistic, they will be paying higher-than-average rates for a life insurance policy.

But one of the best ways you can find affordable life insurance for autistic children is to compare rates from multiple companies online.

Shopping for life insurance for autistic children online allows you to get quotes from several different companies at once and then see which companies offer the best term and permanent life insurance options.

Before you purchase a life insurance policy, use our free tool below to compare life insurance quotes for autistic children from top companies in your area.