hey everyone! so, I’m expecting my first baby and it got me thinking about life insurance… is it possible to get a policy while pregnant? i’ve heard mixed things, and i want to make sure my family’s financially protected. anyone here had experience with this?
congrats on the baby! yes, you can totally get life insurance while pregnant. but it’s usually easier and cheaper if you apply during the first or second trimester. later on, it might get a bit tricky, especially if there are pregnancy-related conditions like high blood pressure or gestational diabetes.
@Blake
thanks! that makes sense. so it’s better to apply earlier on, right? i’m in my second trimester now, and i’m a bit worried about the costs if i wait longer.
MissNicklaus said:
@Blake
thanks! that makes sense. so it’s better to apply earlier on, right? i’m in my second trimester now, and i’m a bit worried about the costs if i wait longer.
exactly! the earlier, the better. if everything’s progressing normally with your pregnancy, most insurers won’t hike up your rates too much. but if you develop conditions like gestational diabetes, the premiums might go up. so maybe get that application in soon.
fyi, different insurance companies have different guidelines for pregnant women. some might look at your pre-pregnancy weight, while others use your current weight, which could affect your rate. a broker can help shop around for the best deal based on your situation.
@Fitz
ah, that’s good to know. i’ll definitely look into brokers then. does anyone know if there’s a specific insurance company that’s better for this?
MissNicklaus said:
@Fitz
ah, that’s good to know. i’ll definitely look into brokers then. does anyone know if there’s a specific insurance company that’s better for this?
when i was pregnant, i went through quotacy and they helped me find a good deal. they shopped around for me and got me a policy based on my pre-pregnancy weight. i’d recommend them!
if you end up with a higher premium due to pregnancy, you can always reapply later after giving birth. i know someone who applied again a year after their baby was born, and their rates dropped because their health returned to normal.
@Milo
that’s super helpful! so, i wouldn’t be stuck with a higher rate forever if i apply now and things change later? good to know i have options.
MissNicklaus said:
@Milo
that’s super helpful! so, i wouldn’t be stuck with a higher rate forever if i apply now and things change later? good to know i have options.
exactly. just make sure to keep your current policy active until you’ve got a new one in place. you don’t want to be without coverage, especially with a little one on the way.
hey, just to throw it out there, don’t forget that both parents should have life insurance, not just the one bringing in income. stay-at-home parents do so much and replacing their contributions would be super expensive if something happened.
@Indigo
this is so true! stay-at-home parents’ work is worth a lot more than people think. life insurance can cover so much, from childcare to household tasks. definitely important for both parents.