Special needs planning, considering Second to Die policy

My spouse and I are 59. We have a 26 yr old son with autism who lives with us and has a part time job earning about $10K per year. He will never be able to support himself. He receives SSDI, has under 2K in assets, and has 15K in an Able account. He has a 20 yr old sibling who is in college.

We have a special needs trust set up that will be funded when we die. We would like to leave our son a minimum of $750,000 in the trust to preserve his disability benefits. Our retirement accounts do meet this target when we run conservative scenarios, but will fall short if there's a big market crash. We are considering a Send to Die life insurance policy for $500,000.

Our term life policy expired a few years ago. We are both never-smokers in good health except being on a statin for high cholesterol.

Unfortunately we had to sever our relationship with our CFP last year due to his malpractice. A bit reluctant to hire another one…we fear getting burned again. But we know we can't fly blind forever as we near retirement.

In the meantime, where do I find a trustworthy insurance broker to review our options? Or is it better to just contact companies such as Mass Mutual directly? What questions should I ask? Thank you for reading this and forgive me for my rudimentary questions.

submitted by /u/JillyBean9999
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