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If you have a disabled child that will need to be taken care of once you are gone, then permanent life insurance may be a great solution for you. Permanent life insurance lasts your whole life, instead of a specified amount of time like term life insurance. So, no matter when you die, your child will still be taken care of because the coverage will always be there. Actual restrictions and stipulations will vary by company, but most permanent life insurance policies will pay the full coverage amount to your disabled child, their guardian, or a fund you have set up for them – whether you die at 30 or 90.