Whole Story Planning
Planning services

Life Insurance & Trust Funding

A Special Needs Trust is only as strong as its funding, and for many families, life insurance is the mechanism that helps make sure the money is there when it’s needed — immediately, if something happens to you sooner than planned, not decades from now once investments may have grown.

A family of six together on a lakeside dock, one son in a wheelchair

We look at what your trust is projected to need over your child’s lifetime and build the coverage around that number, rather than guessing at a policy size in isolation.

What we look at

What will actually fill the trust

  1. The projection

    What your child’s lifetime of support is estimated to cost, in today’s terms and over time.

  2. Policy design

    Which structures suit a lifetime need, including survivorship coverage for two parents.

  3. Beneficiary routing

    Making sure proceeds land in the trust rather than in your child’s name.

  4. Ongoing review

    Coverage checked against the plan as the family, and the need, change.

Worth knowing

Naming a child with a disability directly as a beneficiary is one of the most common and most costly mistakes we see.

A grandmother and her granddaughter touching foreheads outdoors in the sun A mother and her daughter, who uses a wheelchair, playing together in their living room
Related services
Special Needs Trusts Government Benefits Letter of Intent

Let’s talk about how your trust would actually get funded.

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