Life Insurance Coverage With Spina Bifida

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Benefit Information For Virginia Citizens Only

We can help guide you when you shop for life insurance. Here we discuss how to find a policy that meets your needs, fits your budget, and decide how much insurance you need. Using LifePolicyShopper will help you make informed decisions when you buy a policy for yourself or a child with spina bifida or other conditions of paraplegia. Normally policies have the following attributes:

Final Expense Program Guarantees

1. First Day Coverage. Your parent will be fully protected the very first day your coverage goes into effect with no exclusions and no waiting period.
2. Ease of issue. No physical exams.
3. Your aging parent premiums will never go up. Lock into a rate at their current age and the cost will never increase regardless of changes to their health and age.
4. Benefits will never go down. Regardless of changes to their health and age.
5. All programs build cash values.
6. The benefit is paid to their beneficiary tax free on the worst week of your life.
7. The policy can never be cancelled as long as premium payments are made.
8. This is a protected asset that you will never be forced to liquidate.

Life Insurance Coverage For Someone With Spina Bifida or Other Condition of Paraplegia

In the case of helping someone with spina bifida or other condition of paraplegia, secure life insurance coverage we look to a monthly increasing benefit program. This program is offered in a 3 year, 5 year or 10 year payment period with a maximum face amount of $10,000.00. The program contributes a 42.8% match when the individual is from the age of 0 to 58 years of age. Once the payment period is reached the individual owns a permanent paid up death benefit for the rest of their life with no more premium payments.

Policy Highlights For Those With Spina Bifida or Other Conditions of Paraplegia

• Limited Payment Whole Life With Increasing Death Benefits
• Ages-0-85
• Maximum Ultimate Death Benefit of $10,000.00
• No Policy Fee
• Payor will not pay more than Ultimate death benefit

Accidental Death Benefit

A decreasing death benefit that will decrease proportionate to the amount of premium that has been paid into the policy. If the insured’s death is due to an Accident during the premium payment time the ADB and the Current Death Benefit will equal the Ultimate Face amount.

Common Carrier Benefit

The plan will pay an additional amount equal to twice the difference between the Current Death Benefit and the Ultimate Face Amount if the Insured’s Accidental Death Occurs while a passenger in or on a common carrier (i.e., airplane, train, bus, taxi, etc.) within 10 years from the issue date.

Another way we will help you find coverage for a child with a condition of paraplegia or rare birth defect is to use a child rider through a policy on a parent or grand parent. This method will be very cost effective and eventually result in a conversion to a whole life on the child. As long as a parent or grand parent can qualify for level coverage, we can place a special needs child on a rider to achieve the coverage you're looking for.

Spina Bifida

Spina bifida (SB) is a neural tube defect (a disorder involving incomplete development of the brain, spinal cord, and/or their protective coverings) caused by the failure of the fetus's spine to close properly during the first month of pregnancy. Infants born with SB sometimes have an open lesion on their spine where significant damage to the nerves and spinal cord has occurred. Although the spinal opening can be surgically repaired shortly after birth, the nerve damage is permanent, resulting in varying degrees of paralysis of the lower limbs. Even when there is no lesion present there may be improperly formed or missing vertebrae and accompanying nerve damage. In addition to physical and mobility difficulties, most individuals have some form of learning disability.

The types of Spinal Bifida


The severest form, in which the spinal cord and its protective covering (the meninges) protrude from an opening in the spine; meningocele in which the spinal cord develops normally but the meninges and spinal fluid) protrude from a spinal opening; closed neural tube defects, which consist of a group of defects in which development of the spinal cord is affected by malformations of the fat, bone, or meninges; and and occulta, the mildest form, in which one or more vertebrae are malformed and covered by a layer of skin. SB may also cause bowel and bladder complications, and many children with SB have hydrocephalus (excessive accumulation of cerebrospinal fluid in the brain).


The protective coatings of the spinal cord (meninges) come through the open part of the spine like a sac that is pushed out. Individuals may experience minor disabilities; however, problems can develop late in life.


Often called, "hidden Spina Bifida," the spinal cord and the nerves are usually normal and there is no opening on the back. There is a small defect or gap in a few of the small bones (vertebrae) that make up the spine. People who have occulta generally experience few or no symptoms. People often don't even know they have it.

Spina Bifida is the most common permanently disabling birth defect in the United States . An average of 8 babies every day are born with Spina Bifida or a similar birth defect of the brain and spine. There are over 65 million women in the US who could become pregnant and each one is at risk of having a baby born with Spina Bifida.

Quick Tip: Complete the Instant Quotes form to receive an instant listing of carrier quotes - free - with no obligation. You can begin your free online research - right now...

Last Updated on April 15, 2017 by lifepolicyshopper