Should You Buy Term Life Insurance When You Are Pregnant?

It is natural for a mother to protect her children. If you think about purchasing life insurance during pregnancy, you have all the reasons to do so. Term life insurance plans are not more expensive for pregnant women.  A normal pregnancy will not influence life insurance rates.

pregnant womanThe best time to buy life coverage is as soon as possible. If you are awaiting a child, purchasing life coverage is essential for the well-being of your family.

How can life insurance protect your newborn?

Term life insurance policies guarantee a death benefit which will be received by the insured’s beneficiaries. If something happens and you pass away, your life insurance policy will make a lump payment to your remaining family members. Thus, your loved ones will be financially protected. Even if you do not earn an income, being covered is still important.

Your funeral expenses can cause several financial problems for remaining family members. It is always best to make sure that your family’s financial future is as safe as possible.

Will pregnancy affect life insurance rates?

As long as you have a normal pregnancy, you do not have to worry. Term life insurance plans require medical underwriting. This means that you will have to undergo a series of medical tests. Usually blood and urine tests are enough. You will also have to write in your weight. If you have put on pounds because of your pregnancy, talk with the insurance agent for more detailed instructions.

Since you are pregnant, you probably do not drink or smoke. If you do, you should stop as soon as possible. Smoking and drinking will make life insurance rates expensive.

Some medical problems like anemia and hypertension are common during ate pregnancies. Make sure you discuss with your agent to see how these health issues will affect life insurance rates.

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