A free checklist for families planning for a child or adult loved one with special needs. See what may still need funding, what you already have in place, and whether an Indexed Universal Life (IUL) policy could help provide that future funding.
Every family's situation is different. This checklist is designed to help us understand what may still need funding in your loved one's future, what you already have in place, and whether an Indexed Universal Life policy could play a role in helping provide that future funding.
No prior knowledge of IUL is needed before starting.
Enter your information below to see your results and learn whether a Special Needs Future Funding Review with Martina may be a good next step.
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See what may still need funding for your loved one
A clear look at existing resources
May be accessible via loans or withdrawals
A benefit positioned for future funding goals
An IUL is not right for every situation. Taking the time to understand how it may provide flexibility, protection, and a potential source of future funding can help create a clearer plan — and greater peace of mind for the years ahead.
An IUL is one option families may choose to review as part of understanding their loved one's future funding — not a replacement for legal, tax, or benefits planning.
An IUL may help create a financial resource that can be positioned toward your loved one's long-term funding needs.
A death benefit may help fund future needs if a caregiver or family member dies, subject to policy terms and eligibility.
Depending on the policy, cash value may be accessible later through loans or withdrawals for future needs.
Cash value may grow partly based on index performance. Many policies include features designed to limit direct market-loss exposure, while caps, charges, loans, and withdrawals can affect available cash value over time.
Take the free checklist to see what may still need funding for your loved one's future.
Takes about 2 minutes • Free and confidential
Special needs future funding is about more than an insurance policy. It means taking a thoughtful look at what will still need to be paid for, what money is already in place, and whether more should be positioned toward that future need.
With 25 years in special education leadership and 10 years in life insurance, Martina brings a rare perspective to that conversation. She understands the systems families navigate, the questions that change as children become adults, and the role an IUL may — or may not — play in providing that future funding.
Her role is to help families understand what may still need funding, what's already in place, and whether an IUL can help provide additional funding for what may still be missing — not to provide a comprehensive special-needs financial plan.
Martina helps families understand what may still need funding in their loved one's future and whether an IUL could help provide that funding — bringing a rare, informed perspective to families navigating this decision.
When planning also involves trusts, guardianship, health directives, or legal authority over financial and medical decisions, Martina can connect families with Inc. Authority, a separate legal-support resource that may assist with those parts of the process.
Special needs future funding planning can continue well into adulthood. Whatever stage your family is at, here's what to know before deciding on next steps.
Clear answers about IUL, special needs future funding, and what to expect next.
Start with the checklist or schedule a direct conversation with Martina to understand what may still need funding for your loved one's future and whether an IUL may be worth exploring.
Free and confidential • No prior IUL knowledge needed