Autism or Asperger's can affect your day to day life. Some people will find it isn't an issue, while others need 24-hour care. It can seem like the idea of life insurance is just a dream possibility. However, that is certainly not the case. Just because you have a mental disability does not mean you are not able to get life insurance; it can just make it harder.
Get Autism-Specific Insurance
There are some providers now who will offer autism-specific insurance. This is designed with people on the spectrum in mind, and it will ensure that they are covered whether their death was somehow linked to their mental disability or not. The policies will cover everything that people not on the spectrum will get with the coverage.
Answer All the Questions Honestly
If you have autism, there will likely be extra questions that you need to answer when getting a policy. You will have to state whether there are any other health problems or whether you need assistance. This will affect the type of policy, amount of coverage and cost of premiums you will be quoted and offered.
By providing as much information as possible, you make it easier for an insurance agent to find the best suitable policy available. You also reduce the risk of a claim being rejected due to missing or misleading information.
Delay the Application
If the autism diagnosis has only just happened, it is worth delaying the application. Many people will apply right away, just in case something else happens. The providers will be worried that there is something hidden and may reject the application based on that assumption. By waiting and making it clear there are no other problems, you increase the chance of being accepted straight away.
Show There Are No Other Risks
Insurance companies will often worry about past issues. For example, someone with Asperger's may have also had depression that meant medication was needed. This can cause concern for coverage providers. By getting proof that the depression is no longer a risk and you no longer need medication, you can show the providers that they have nothing to be worried about.
It's worth talking directly with life insurance companies and dealing with those who have policies just for those with autism or Asperger's. Your diagnosis does not mean you will be instantly rejected, but it can take longer and make it harder to get coverage. That doesn't mean you should give up or not even try.
Share11 May 2016
Ten years ago, I married my best friend in a beautiful, intimate ceremony. My husband and I have been nearly inseparable and we’ve enjoyed this special time in our lives where it has been just the two of us. However, we’re finally ready to have a baby. Because I only work part-time, my husband is the primary financial provider in the family. If something ever happened to him, I wouldn’t be able to instantly support myself and a child. Because my husband worries about an uncertain future, he is considering purchasing a larger life insurance policy. On this blog, I hope you will discover the best types of life insurance policies for young parents to invest in. Enjoy!
