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Ask the Life Insurance Expert

What company will insure a child for life insurance who has a disability?

If the disability impacts the child's life expectancy, you may not be able to buy a policy on him. It is not discrimination, it's "underwriting."

However, my question is: Why do you need life insurance on a disabled child? Surely you don't rely on income from that child. Perhaps insurers are also rejecting the application because you don't rely on the child for financial support.

You'd be better of buying whole life insurance on yourself to support the child when you pass away.

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