Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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Facts You Should Know

  • Life insurance for an autistic child may make sense in some instances, such as to help with funeral expenses if they pass away or to help protect their insurability through their future
  • Autistic children life insurance rates may be higher than average depending on their specific situation
  • Another option is to add your child to your policy using a child rider

If you’re considering buying term life insurance or permanent life insurance for your child with special needs, you may be concerned about the expenses.

Autistic children life insurance rates may be higher than average, but other options are available.

For help getting autistic children life insurance quotes, enter your ZIP code into our free quote comparison tool above.

Can I buy autistic children life insurance?

Buying life insurance for children is not typically standard practice since children do not have an income that would need to be replaced upon their death. However, some cases make sense, such as if a child is ill or has a disability.

If your child is ill or has a disability, life insurance could help you cover funeral expenses if they die and allow you some time to grieve. Life insurance could also protect your child’s ability to be insured in the future.

Approximately 1 in 54 children in the United States is diagnosed with an autism spectrum disorder (ASD).

In most cases, life insurance for a special needs child (specifically those with autism) is easier to find than most people believe.

You may also have the option of adding your child to your life insurance policy with a child rider. Some companies may have you fill out a health questionnaire about the child, but others will not.

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What are autistic children life insurance rates?

Each life insurance company for autistic children will have different underwriting guidelines.

Every applicant is graded based on age, gender, health, and other factors and put into a pricing category that ranges from Preferred Plus to Standard (best to worst, respectively).

Let’s take a look at some average life insurance rates for each rating:

Average Annual Life Insurance Rates by Age, Gender, and Rating
Age & GenderPreferred Plus Annual RatesPreferred Annual RatesStandard Annual Rates
30-Year-Old Female$193$233$354
30-Year Old Male$228$294$421
40-Year-Old Female$288$354$521
40-Year-Old Male$341$421$668
50-Year-Old Female$654$774$1,156
50-Year-Old Male$842$991$1,562
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While these aren’t autistic children life insurance rates, they give you an idea of how rates are affected by different ratings.

Depending on the severity of autism, your child could be table rated, meaning life insurance rates for an autistic child would likely be higher than Standard rates.

High-functioning autistic individuals who are alert, communicative, and continent and do not have diagnoses of mental health diagnoses, cerebral palsy, or seizures will generally have the best life insurance rates possible for autistic individuals.

Where can I get affordable autistic children life insurance?

Many of the best life insurance companies will provide autistic children life insurance, but working with a life insurance agent may be beneficial in finding a policy that works for your specific situation.

If you already have life insurance, it may be as easy as calling your insurance company and asking them to add a child rider to your policy.

If you have a child with special needs, planning with life insurance may be an essential part of your care plan. Compare quotes for free by entering your ZIP code below.