Centurion Financial: Special Needs Division
Free, no-obligation consultations(771) 223-7950
New for 2026Introducing new life insurance options
For many parents, life insurance isn’t just about final expenses. If your child may need extra support, therapies, housing, medical care, supervision, transportation, or help into adulthood, the right coverage can help protect their future.
IncludingTermWhole LifeIULUniversal Life
What’s included
Coverage designed for parents who assumed their health, schedule, or budget would make life insurance too hard to get.
$1M+
Coverage options up to $1 million and more
Many plans approve you with a short set of health questions instead of needles and lab work.
Every carrier looks at health history differently. We compare them to find the ones that fit you.
Set your premium now, while you’re younger and healthier, so it doesn’t climb as you age.
A level death benefit means the amount your family receives stays the same.
A straightforward application, with many decisions made quickly and no office visit.
Enough to fund years of care, therapies, and housing if you’re not here to provide them.
Protect every person your child’s future depends on.
Availability, underwriting requirements, and features vary by carrier, product, coverage amount, and state.
Why parents of children with disabilities need life insurance
Many children with disabilities need support well into adulthood, and some for their whole lives. If you weren’t here, someone would need the money to keep providing it. They may need help with:
A life insurance policy can help make sure there is money available for the people you trust to continue caring for your child.
Book a ConsultationYour coverage options
Term life covers the years your family needs it most. Permanent life stays in place for good. Many families use one, and some combine both.
Illustration only. Term coverage runs for a set number of years from the date the policy starts. Permanent coverage is designed to last for the insured’s lifetime as long as required premiums are paid.
10, 20, or 30 years
Affordable coverage for 10, 20, or 30 years.
This can help protect your family during the most important years: while your child is growing, while you have a mortgage, or while your household depends on your income.
Permanent, lifelong coverage
Permanent protection that can stay in place for life.
These policies may also build cash value over time, which can become part of a larger financial plan for your family.
Plan the payout
Many people with disabilities rely on SSI and Medicaid, which have strict asset limits. Setting up your policy the right way keeps the money working for your child.
The route many families choose
The route to think twice about
Special Needs Trust
A third-party special needs trust can be named as your policy’s beneficiary. The trustee uses the funds for your child’s care and quality of life, generally without affecting their eligibility for benefits.
ABLE account
ABLE accounts let people with disabilities save without losing benefits. As of January 1, 2026, eligibility covers anyone whose disability began before age 46, up from 26.
We’re licensed insurance professionals, not attorneys. A special needs planning attorney can set up a trust, and your coverage can be arranged to fit that plan. Medicaid payback rules for ABLE accounts vary by state.
Find your fit
Answer three quick questions to see where families like yours often start. Then talk it through with a licensed advisor.
How it works
Pick a time that works for you. There’s no cost and no obligation.
We listen first, then explain your options in plain language.
As an independent firm, we shop 80+ A-rated insurers for the right fit for your health and budget.
A simple application, many with no medical exam, and a rate you can lock in.
Choose a time on our calendar. Consultations are free, and you’re never under pressure to buy.
Questions parents ask
Don’t see your question? Ask it during your free consultation.
Many of the policies we offer use a short health questionnaire instead of a medical exam. Whether an exam is needed depends on the carrier, the plan, your age, and the amount of coverage. We’ll tell you up front.
Often, yes. Many pre-existing conditions may qualify, and each carrier looks at health history differently. Because we’re independent and work with 80+ A-rated carriers, we can look for the ones most likely to approve you at a fair rate.
Plans are available for children and grandchildren, as well as parents and spouses. Whether a particular child qualifies depends on the carrier and the child’s health history. We’ll check which options are open to your family.
Many parents of a child with a disability name a third-party Special Needs Trust instead of the child, so the money can pay for their care without putting SSI or Medicaid eligibility at risk. A special needs planning attorney can set up the trust, and your policy can be arranged to pay into it.
It depends on your budget and how long your child may need support. Term gives the most coverage for the lowest cost over 10, 20, or 30 years. Permanent coverage lasts for life and can build cash value. Many families use both. Try the three quick questions above, then talk it through with us.
Start with what your child’s care could cost each year and how many years support may be needed, then subtract what other resources will cover. Coverage options go up to $1 million and more, and we’ll work through the numbers with you during your consultation.
With level-premium term and whole life policies, your premium is set when the policy is issued and stays the same for the guaranteed period. Applying sooner, while you’re younger and healthier, usually means a lower locked-in rate.
No. The consultation is free and there’s no obligation. Its purpose is to help you understand your options so you can make the decision that’s right for your family.
Life insurance helps make sure your plan does not depend on you being here forever.
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