MetDESK®  specialists will help you determine your child's needs and funding options. These options can range from investing in personal property, such as a house, to other traditional investments, such as mutual funds*.

While there are many types of life insurance, two-parent families survivorship life is usually the most appropriate vehicle to fund lifetime care for a person with special needs. Survivorship policies insure two people instead of one and pay a death benefit only after the death of the second person, when the money is needed the most. It is also generally less costly than insuring two people individually. Survivorship is a common funding vehicle in providing for the long term needs of a child with special needs.

Survivorship policies within the MetLife enterprise provide a policy split option when set up solely for the needs of a special needs child. This means that if the child predeceases his/her parents, they then have an option to split the policy into two individual policies.

Like most insurance policies, MetLife policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force.
A MetDESK specialist will be glad to provide costs and complete details.