Life Insurance for an Autistic Child

When looking for life insurance for an Autistic child, be aware that life insurance companies view autism as a pre-existing condition. You can get child life insurance, but life insurance rates for an Autistic child will be higher because insurance companies analyze the risk associated with autism.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Autism is viewed as a pre-existing condition by insurers
  • Those with autism will pay substandard rates
  • Group life insurance is a valid option should the Autistic individual hold a full-time position

A developmental disorder frequently associated with social interaction difficulties, autism is widely diagnosed. The question is, can you buy life insurance for an Autistic child?

We will answer these questions and more about life insurance for high-risk individuals, including discuss group life insurance and what it can do for you.

Prior to diving in, type your ZIP code into our free and helpful tool above. With it, you’ll find the most affordable life insurance for an Autistic child from companies in your area.

Can I buy life insurance for an autistic child?

People with autism have a hard time getting their own coverage because autism is labeled a pre-existing condition by the majority of insurance companies.

When it comes to a parent purchasing coverage for their own child, even with autism, the only roadblock may be a medical questionnaire. This is a frequent headache in child life insurance.

A health assessment will be conducted to determine whether or not the individual can independently care for themself. Furthermore, it is standard practice for a potential insured’s life expectancy to be evaluated.

The National Autism Association states that autism does not directly affect life expectancy. However, their mortality rate is twice as high due to accidents such as drowning.

In other words, you will have to compare life insurance for high-risk individuals. Let’s move on to learn what form of coverage will suit your needs when you buy life insurance for children.

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Life Insurance Options for an Autistic Child

You can get life insurance coverage for an autistic child, but it will be a slightly more complex process. You will see elevated rates due to incidents that frequently occur in conjunction with autism.

These factors, along with whether or not the insured can care for themself, is critical to determining life insurance rates, and it will likely put the insured in a high-risk category with substandard rates.

Substandard rates are typically 25% more and reflect the extra risk the insurance company is taking to cover the individual. Let’s now look at a table that compares State Farm’s standard and substandard rates.

Monthly Standard vs. Substandard Rates for People with Down Syndrome
AgeAverage Monthly Standard RatesAverage Monthly Substandard Rates (25% increase)
25-years-old$89.31$111.64
30-years-old$102.53$128.16
35-years-old$120.59$150.74
40-years-old$143.03$178.79
45-years-old$173.48$216.85
50-years-old$213.28$266.60
55-years-old$269.01$336.26
60-years-old$355.44$444.30
65-years-old$474.85$593.56
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As you can see, you can find life insurance rates for an Autistic child. However, the rates will be more expensive. Essentially, a non-traditional policy like guaranteed issue life insurance coverage could be the more affordable option.

Can I get group life insurance for an autistic child?

What about group life insurance for special needs children? Can you get group life insurance for kids through your employer? Yes, you can get life insurance for your autistic child through your employer’s group life insurance program if you add the necessary rider to your policy. Check with your employer as the process can vary. 

When your loved one with autism gets to the age where they can work a job that is 30 or more hours per week, they may be eligible for different types of group life insurance policies through their employer.

Group life insurance is a single policy that covers a group, such as coworkers. If available, group life is a great way to find inexpensive life insurance rates for people with autism.

Start shopping for the best life insurance option for an Autistic child. Type your ZIP code into our free and helpful tool below to find life insurance quotes for an Autistic child from providers near you.

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