Can You Get Life Insurance When You Are Pregnant?

Life Insurance When You Are Pregnant

As any parent understands, preparing for the arrival of a new baby can be an exciting and sometimes stressful time. Whether you are pregnant or adopting, you will need to think about how your financial situation will change once your little one is here. Getting life insurance can make all the difference for your growing family.

Can you get life insurance while you are pregnant?

Yes, you can still get life insurance while you’re pregnant. When it comes time to find life insurance coverage, most insurance companies will not take your pregnancy into consideration during the approval process. If a medical exam is required to qualify for coverage, pregnant women will still be eligible for the best class depending on their health at the time they apply.

It is important to note that if you apply after your pregnancy and you developed a complication like high blood pressure, this type of health condition could impact your premium rate.

Now is the best time to get life insurance

It’s never too early to invest in your child’s future, and life insurance can support your child well into adulthood. You will soon be responsible for the wellbeing of a child, and while tragedy is never fun to think about, it is very important to be financially prepared if the unexpected happened.

Having a life insurance policy in place when your child is born ensures that they will be financially secure if something were to happen to you.

Which type of life insurance to consider 

It’s important to consider how much life insurance coverage you will need in the future, or if you already have coverage, you should take a look at your current insurance to determine if it’s still a good fit. Adding a new child to your family might mean that the life insurance you had five years ago might not make the most sense now.

On the other hand, if you haven’t yet purchased life insurance, you might find that a certain type of life insurance, such as term life insurance, might be the best fit for your growing family.

Thankfully, you don’t have to make any of these decisions alone – at Quility, our advisors are here to help you find the best life insurance for your growing family. We can help you choose the best-fitting policy, and our simple application takes less than ten minutes.

Protect your child’s future insurability with life insurance

While you’re adjusting your coverage, you might also consider purchasing a life insurance policy for your child. This can be an excellent way to protect your child’s future by securing coverage while they are young and healthy. If the policy is kept in force, your child will have coverage throughout their life even if they face health issues later. And because premiums are based on the child’s age at the time you apply for coverage, your monthly or annual premium will likely be low. Purchasing life insurance for your child is a smart way to help them prepare for a bright future.

Get life insurance for your growing family today with QuilityNo matter

where you are in the process, getting life insurance coverage while you are planning for a new child is always a smart choice. When you are ready to get started, simply get started on our online application or reach out to a Quility insurance advisor to learn more about your options. We can schedule a video policy review or you can chat with a consultant to get the information you need to make the right choice.

Author: insurance101

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