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Have you tried buying him disability insurance? It may be a little late for that if his condition has worsened, but it won't hurt to try. SSI and SSDI are also good options if disability insurance premiums are too expensive to afford; Crabby and Patricia's posts are good information on Medi-Cal...

Andy, you could try looking at an aggregator website for other insurance companies that will find the cheapest life insurance cover for you in this case. You could also try speaking with the agent that's helping with the purchase of your home to find out if they know of any options for insurance...