⚡ Key Takeaways
- OC special-needs families typically need $3M–$8M term life sized to fund SNT, plus max disability and caregiver LTC
- OC aging-parent-in-household coverage requires Medicare + Medigap / MA, hybrid LTC, and home liability adjustments
- OC blended families need ILIT or specific-amount life beneficiary designations, all-driver auto disclosure
- Retail comparison platforms structurally under-serve all three complex-family-structure types
- Engage CA-licensed brokers with special-needs / blended-family / Medicare experience plus relevant attorneys