Are You Financially Prepare For Your Child Down Syndrome's Future?

Prepare yourself and eliminate the Financial Challenges

"Each year , about 6,000 babies are born with Down syndrome. In 1983 life expectancy was 25 years. Today the life expectancy is nearly 60 years and continue to climb"

How Parent's Life Insurance can help a child's future

Retirement Plan

What is the most important to you?

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, if yo u are sick, who's taking care of your child?

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 situation.

Death Benefit

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

Parent's Helping Down Syndrome Check out my Options

...some facts

The vast majority of people with Down Syndrome will automatically medically qualify for disability benefits.

There benefits are ONLY available for the most financially needy applicant...

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.

Parent's Helping Down Syndrome Check out my options

"Being a Down Syndrome Parent Is Twice The Work,Twice The Tears But Also Twice The Hugs"

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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