This is a subject I’m working on now.
Insurers have no problem writing life and disability policies for healthy people.
However, getting insurance for someone who starts as disabled (e.g., autism, brain injury) is a challenge. Certain states make that even more difficult. For example (thank you Governor Christie), it’s illegal in NJ to write certain types of insurance for people on Medicaid. If you’re poor, the state makes it harder to dig yourself out.
However, there are solutions. As an agent, I have to dig to find them. Most consumers wouldn’t know where to look.
Happily, I’ve always enjoyed doing research. It’s my calling.
By the way, there are people who invest in life insurance at age 18, before there’s an opportunity for much to happen to them. They’re smarter than I was. If healthy, they have more options and policies are very low cost.
This is an insurance/health focused blog. I have a related blog at “Crain’s Comments” (vlcrain17.wordpress.com) that addresses a range of additional topics in writing, finance, technology, science and medicine.