How does one provide life insurance benefit for someone who cannot have an income? Background: My husband's son, 13 now, is autistic. He will never be self-sufficient and will be on his parents' insurance until 18 and SSI thereafter. But to qualify for SSI/Disability we are told that he cannot have assets/income above a very low amount or he no longer qualifies(until his medical/housing care bleeds all of the money dry and can re-qualify for benefits) So right now he has the plans benefitting his son's mother. What other options does he have? I think a trusteeship would be something to look into, if it shields the money and keeps him on SSI.