Life insurance for special needs families

Protect the caregiver.
Protect their future.

If something happens to you, your child's world changes forever. Alpha's Legacy helps autism and special needs families build a financial safety net that holds — no matter what.

Get a free consultation Learn how it works

Thomas & Wolfie. The reason this exists.

1 in 36 children on the spectrum

90% of families are unprotected

∞ your child's needs

The person behind the plan

This is Wolfie.

He's 11. He has moderate autism and a speech impediment. He works harder every single day than most people will in a lifetime. That certificate in his hand? A Spark Award for perseverance. I was the loudest person there.

His brother Thomas is 13. Smart, steady, the one who watches out for him. And I am a single mother — which means if something happens to me, both of them lose their anchor.

That's not a hypothetical. That's why Alpha's Legacy exists.

Why Alpha's Legacy

Built by a parent.
For families like yours.

Most financial advisors don't understand autism. We do — because we've lived it.

Caregiver-first protection

Your child depends on you. Our term life policies with living benefit riders protect your family even if you get seriously ill — not just if you pass away.

Special needs expertise

We understand SSI, Medi-Cal, ABLE accounts, and Special Needs Trusts. We'll never recommend something that accidentally disqualifies your child from benefits.

Autism community roots

We're not outsiders selling insurance to your community. We are your community — parents, advocates, and families navigating the same journey.

Affordable pathways

If standard coverage feels out of reach, we have options. Grandparent-funded policies, ABLE account combinations, and staged coverage plans that meet your budget.

Aivy, Thomas and Wolfie at Lunar New Year

Meet Aivy Maeder

A champion for your family.

"I built this because I lived it. And I want every family to have what I found — a plan that protects your child long after you're gone."

As a single mother raising a son with nonverbal autism, Aivy knows what it feels like to navigate the system alone. She paid for services out of pocket, fought for every service, and built her own financial safety net — life insurance, a Special Needs Trust path, and a plan.

Now she helps other families do the same. As a licensed California insurance agent (CA #0G42199), Aivy specializes exclusively in life insurance for special needs and autism families.

Aivy Maeder

Licensed CA Insurance Agent · CA #0G42199

Coverage options

Protection designed for caregivers.

Life insurance isn't one-size-fits-all. Here's what we offer families in the special needs community.

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Term life with living benefits

Our most recommended option. Affordable term coverage that pays a death benefit if you pass — and lets you access funds while still alive if you become critically or chronically ill. Because caregivers can't afford to get sick.

Get a quote

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SNT funding strategy

A life insurance policy is one of the most affordable ways to fund a Special Needs Trust. We help you structure the right face amount so your child has financial support even after you're gone — without touching their SSI or Medi-Cal.

Learn more

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Caregiver protection plan

A comprehensive review of your current coverage, gaps, and affordability. We map what you have, what you need, and the most efficient path to get there — including ABLE account coordination and benefit-safe planning.

Book a review

Affordability solutions

Can't afford full coverage? We have options.

Most families say they can't afford life insurance — until they see these alternatives. Protection is closer than you think.

Option 01

Grandparent-funded policies

Grandparents who want to help can fund a policy owned by the parent. This lowers your out-of-pocket cost and may reduce the grandparent's taxable estate — a win for the whole family.

Option 02

Smaller policy + ABLE account

A modest life policy paired with a CalABLE account creates layered protection. ABLE accounts don't affect SSI/Medi-Cal up to $100K — and contributions grow tax-free.

Option 03

Return of premium term

Get covered now. If you outlive the term, all premiums come back to you — a built-in savings vehicle that converts into permanent coverage later.

How it works

Simple. Personal. No pressure.

We've made this as easy as possible. No jargon, no hard sell — just a clear plan for your family.

Free consultation

A 30-minute call to understand your family's situation, your child's needs, and where you are in your planning journey.

Coverage review

We map your current coverage, identify gaps, and show you exactly what protection would cost — with no obligation.

Your plan

We build a coverage recommendation that fits your budget, protects your child's benefits, and gives you peace of mind.

Ongoing support

We review your plan as your family's needs change — because protecting your child is a lifetime commitment.

Aivy Maeder | Licensed California Insurance Agent | CA License #0G42199 | Life insurance and living benefit products offered through National Life Group. NLG Life Writing #549J5. Life insurance is subject to underwriting approval. Benefits and terms vary by policy. Not all products available in all states. Living benefit riders may vary by state and policy. This website is for informational purposes only and does not constitute legal, tax, or financial advice. Consult a qualified attorney regarding Special Needs Trusts. Alpha's Legacy is a separate business from Generation Alpha Independent Facilitation Services.

Protect the caregiver.Protect their future.