Life insurance is one of those topics that seems like it should be simple and straightforward, but so often people seem to get confused by it. Worse yet, they overlook it as a critical piece of their special needs planning. Especially for families who have a child with special needs, I would argue it is the foundation of any well-laid plan. Term Life Insurance There are two general categories of life insurance: term and permanent. Term can either be individually owned (where someone buys a 10- or 20-year term policy for example, through a life insurance agent) or group coverage. Many employers provide…