Ryan wrote the “magic words” - group term life insurance through work.
I have continued a group term life insurance policy that I became eligible for in 1992 (through my employment). We pay that bill first thing when it shows up in the mail. I have another group term policy (a small one) that I bought through a professional association. That one, too, we pay as soon as the bill shows up.
I think it is extremely important for all families affected by T1 to be aware of the various insurances available to one or more family members through their employment. If it is possible to acquire term life that covers the family member who has T1, buy it as soon as you can. Term life is often something a person can take with them after they leave the employment that made the insurance available. And the cost tends to be rather modest.
Term life doesn’t have a “cash value,” but if I should die, it does provide some payment to my wife. If you were to buy such for a child who has T1, as they enter their adulthood they can always change the beneficiary if they should marry or enter some other long-term relationship. Term life for a youngster is generally pretty cheap, even if the child has T1. The price will increase as they age, but at least they will have some life insurance.
Ryan’s recommendation to visit with a financial planner (who works on a fee-for-service basis as opposed to commissions) is a good one.
The above may not help you, Carolyn. But maybe others will benefit from reading this thread.