Prepare Yourself and Eliminate the Financial Challenges

Autism it's not a Disability it's a different Ability

"Autistic Parents Need Support, Not judgement. Sometimes all a Parent Needs is to Know the Impossible is actually Possible"

How Parent's Life Insurance can help a Child's Future

Retirement Plan

A secure retirement income, protecting your child by preserving your wealth for his future the day you are gone.

Critical Illness

The policy may pay a sum of money in the event that you are diagnosed with a Critical or Terminal illness such as cancer, heart attack or a stroke, who will take care of your child if you become sick or disable?

Cash Value

You could accumulate cash, use it as an income stream for your child. You may designate a contingent **beneficiary to help your child with any unexpected expense.

Death Benefit

In the event of premature death, you can arrange Final Expenses and all Funeral related cost.

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Facts you need to know...

Early intervention provides the best chance for healthy development throughout the children’s life.
Most are relatively to live normal lives.
You can't grow out of Autism, there is not one specific cause of Autism.
Affects 1 in 68 children, Autism Spectrum Disorder costs a family in the US $60,000 a year on average.

Index Universal Life Insurance Covers all Unforeseen Events

Some think that life insurance is simply a protection of death benefits for the beneficiaries of your policy in the event of your death. And while that is true, that is only the beginning of the possibilities in life insurance. Discover the amazing flexibility of universal life insurance (IUL) to protect your disable child.

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**Naming your child as a beneficiary on your policy could put them at risk of losing public assistance like Medicaid or Supplemental Security Income (SSI). Federal law mandates any person who receives a gift or inheritance over $2,000 can no longer receive benefits. In some cases, Medicaid may even try to recoup any benefits it paid if your child were to receive an insurance payout; It's best to set up a special needs trust for your child to avoid this outcome. The trust can be listed as your life insurance policy’s beneficiary. Through a trust, you can designate a trustee (typically another family member) and outline how your life insurance benefits should be used to care for your child after you're gone..."

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Paola Valencia

Senior Insurance Broker

(210) 840 3605

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