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How to use life insurance to financially support specialneeds children; parents can cover expenses this wayPublished: September 28, 2017 5:04 PM

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Ideally the life insurance policy amount must cover not only the child care expenses but repay all theliabilities of the parents.

 

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TOP NEWS By Jitendra P S Solanki

Parents of a special need child have concerns about

the care and finances for the child, after their

lifetime. Life insurance is one tool which can help

create provisions for creating an estate to take care

of the child’s funding needs.

Right policy

Ideally the life insurance policy amount must cover

not only the child care expenses but repay all the

liabilities of the parents. This will require

identifying the insurance needs and then buying the

required insurance coverage.

Term life policies are the simplest policies to consider. However, many parents buy

endowment policies while some buy whole life policies with anticipation that along with

life coverage it will provide a cash value to fund the child care at their death. It is

important to look at merit and demerit of different types of policies and pick the right

one.

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LIC had two policies – Jeevan Aadhar and Jeevan Vishwas – exclusively for families with

disabled dependents. Combined with a term plan, special policies like these have merit

in providing regular funds to meet the ongoing expenses of the special child. However,

these policies were withdrawn with implementation of New Rules in 2014. So, the only

options are the generic policies.

Term Insurance

It is the purest form of life insurance. A risk cover which pays the policy sum assured in

case the policyholder dies. There is no payout if the policyholder survives. The biggest

advantage to the parent is that this form of insurance creates an instant estate if

something happens to them. With cheaper premium rates, parents can buy a high

insurance coverage, that can help fund child care after paying-off all dues.

In traditional financial planning, term insurance is not recommended after a certain age

– say 65-70 years – as the responsibilities or liabilities may be fulfilled. This is not the

case for parents with special needs children. It is recommended to keep term insurance

for as long as it will be given.

Whole life policies

These policies would be the next best option after term insurance. Whole life policies are

an extension of endowment plans/ULIPs which guarantee to run up to the policyholder

lifetime or a maturity age which in most cases is fixed at 100 years. One has to keep

paying the premium till the policy runs.

Now, a term policy combined with a whole life insurance policy may prove to be the best

solution to secure the child’s future. Here a term insurance will provide life Insurance

till the defined age and the whole life insurance policy will generate enough cash value

to meet the requirement when term is not available.

However, whole life policies suffer disadvantages. The traditional policies do not yield

returns good enough to beat even inflation and justify the higher premium outgo for

investments.

 

 

Endowment plans

There are insurance products such as endowment plan which will provide a cash value

at the time of death of parent or on maturity. These are the kind of products which any

special needs family will seek as it can meet dual objective – growing the money and

providing a fund to take care of the child future at any stage of life. However, the biggest

drawback with these policies is that they fail to meet either of the objectives. Buying a

high insurance coverage in these policies is not viable due to very high premiums and

the returns from these policies are not good enough to meet inflation. Hence these are

best avoided.

Housing Loan Insurance

These policies are specifically design for covering housing loans. Their sum assured is in

alignment with home loan it covers and so these policies will run till the housing loan is

continued. In case of any eventuality, the insurance will pay the outstanding loan and

the family will be free from any liabilities.

However, the premiums are higher than pure term plan and if one has covered the

provision of housing loan in the term plan, then you do not need to take this. Parents

need to be careful because banks have been selling these polices bundled with home

loan and in most cases include the premium in the loan itself – you end up paying

interest on the premium.

Do the math

Before signing up, do not trust the assurances or numbers shown. Your own calculation

can only identify the actual numbers. You need to calculate the amount needed, after

accounting for inflation. For instance, if inflation is at 7%, then you need at least 10%

return on your investments to create a sizeable corpus in future.

Traditional plans don’t give you the associated costs. ULIPs tie you up with one fund

manager and still have lower transparency than mutual funds. Contrary to this, mutual

funds bring transparency and flexibility in managing your investments. Thus, it is wiser

 

 

to buy a term life insurance plan to cover contingencies and look at mutual funds to

build long-term assets.

(The author is MCSI, CTEP, CFP and Financial Planner For Special Needs Dependent

Families)

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