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You’ve worked hard to provide financial security for your loved ones and, if you have a child with special needs, you want to secure their future. That’s often done best with life insurance. We’ll guide you through your options and point out features which can be tailored to your needs. Contact us to find out more about special types of life insurance that can be used to fund special needs trusts.

Term life insurance

Generally, the most affordable option. You’re covered for a set number of years. During that period, if you pass away, the contract pays a death benefit. You pay the same premium for the duration you select.


Length: 10, 15, 20 or 30 years.
Cash value: None.
Premiums: Locked in for the term period you select.

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Permanent life insurance

Contract remains in effect throughout your life. In addition to offering a death benefit, it may build cash value—which you can access during your life to provide supplemental income or pay expenses.


  • Whole life
  • Whole life plus term
  • Universal life
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Survivorship insurance

Permanent life insurance taken out on the lives of two people, usually married. Often used to fund special needs trusts or to pay estate taxes. Usually the least expensive type of permanent life insurance.



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631-286-1061 

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