If you passed away today, are you sure that your loved ones would be covered?
What about your children, or your unborn children? Expectant mothers often wonder about the life insurance options available to them, looking to secure their family’s future.
Obtaining coverage when a child is small and the parents are young and healthy is typically not a difficult task.
However, can the same be said about qualifying for life insurance when a woman is pregnant? If anyone has implied that you can’t obtain coverage while you’re pregnant, don’t’ believe it.
Obtaining Life Insurance When Pregnant
In most cases, it is not a problem to obtain life insurance coverage while pregnant – up until a woman’s third trimester – although many insurers will often accept an individual for coverage throughout the entire pregnancy. This is the case, provided that there are not any serious complications with the pregnancy, and that the applicant for insurance fits the other health and risk related guidelines.
In fact, oftentimes, there are certain health related conditions that are associated only to a woman’s pregnancy, such as controlled gestational diabetes. Should this occur with an applicant, it is still possible to not just qualify for coverage, but to also obtain Standard or even Preferred policy premium rates (depending upon other health related conditions). You can still get term life insurance for diabetics!
Some issues, however, may also complicate life insurance for pregnant mothers. Some of these could include the following:
- Having complications with a previous pregnancy
- High blood pressure / hypertension, or a more serious form of high blood pressure that is known as preeclampsia (Although there is affordable life insurance with high blood pressure)
- A previous c-section or cesarean birth
Although many insurers may not accept a women who has these conditions while pregnant, should they postpone applying until after the baby is born, it is probable that they will be considered for coverage at that time.
Another option is to apply for a life policy prior to becoming pregnant if you are planning to start or expand your family. In other cases, most women who are pregnant will have the greatest odds of insurance coverage if they apply during their first trimester of their pregnancy.
Certainly, as with any other type of plan, the company will evaluate multiple criteria as they assess one’s application. Here are the factors which will be considered:
- Height and weight (your weight in this case will be the weight that you were immediately prior to you becoming pregnant)
- Smoking habits (though do not worry, we work with great companies that do approve life insurance for smokers)
- Alcohol habits
- Family health history
- Occupation and income
- Health conditions
- Any other potential risk factors
In addition, the amount of life insurance coverage that is being applied for is also considered, and the amount of current life insurance coverage that you already have in force. This is because life insurance underwriters see too much total force as a poor deal.
All of these factors will increase the probability of your getting affordable coverage, and what you’ll pay for the policy. As you can see, you can take your coverage options into your own hands to save money.
For example, one of your greatest tools to getting lower rates is to improve your health. Eating healthier and getting doctor-approved exercise is a great way to lower your insurance rates, as well as make your physician happy.
Other Considerations Regarding Coverage
In addition to expectant mothers having coverage, it is also essential that fathers have life insurance. This is because the unexpected can happen to either parent – potentially putting a family into a difficult financial situation at a time when money is needed most.
In most cases, even if young parents lack additional disposable funds, term life insurance can be purchased very inexpensively. And, these sorts of insurance policies can oftentimes be converted to permanent plans in the future if desired.
With that knowledge in mind, it is important for both the mother and the father of the coming newborn to be covered with life insurance protection – just in case.
For a couple that is in good health, life insurance is typically much less expensive than applicants assume. You can’t put a price on the peace of mind that having life insurance coverage will give you. Don’t wait any longer to look out for your family and get them the policy you deserve.
Though do not worry, if you feel your health would hinder you from obtaining coverage, we can look into other options for you such as a no medical exam life insurance policy, but you ca nexpect higher premiums.
Where to Go To Apply for Life Insurance While Pregnant
If you’re pregnant and ready to apply for the perfect policy for your needs, we can help. We work with the leading insurers of today- and we can guide you to the best life insurance companies that are more likely to accept certain risks than others. Doing so can help you to save time – which can in turn, help to get you the coverage that you and your growing family need much faster.
For a couple that is in good health, life insurance is typically much less expensive than applicants assume. There is no price tag too steep on peace of mind that having life insurance coverage will give you. Don’t wait any longer to get the protection that you and your family deserve. We can also help with other specific needs, such as life insurance for a skydiver or life insurance coverage for a pilot! We know there are many needs out there and we are here to help!
When you’re ready to purchase the ideal insurance plan, you can do so by simply filling out the form on this page to compare quotes from several different policies that may fit your needs.
This will provide you with information regarding which plan and insurer is right for you.
In addition, at InsureNow365.com know that many people may also have questions or concerns regarding the life insurance application process. If so, let us help you. Feel free to call us directly at 888-229-7522 and speak with one of our experts. You will soon be on your way to having the answers – and the confidence- that you need.
If you have still have questions regarding your life insurance options while pregnant, we look forward to answering them.
We know finding life insurance is sometimes a long and daunting road, and our staff is dedicated to making it easier. Don’t waste a moment. If this is your first child or your third, you want to ensure that they will have the protection they need.