In this episode of Retire for Less with The Annuity Expert, we dive into the Special Needs Life Underwriting Program—a unique solution for families supporting loved ones with disabilities such as Down syndrome, cerebral palsy, or autism. Discover how these policies work, their benefits, and how they provide long-term financial security. Learn about flexible ownership, cash value growth, and why grandparents can play a vital role. Thinking about special needs planning? Book a free consultation with The Annuity Expert to explore your options.