Life Insurance For Pregnant Women
Starting a new family and planning how to shoulder this new responsibility brings
to mind questions about life insurance and the necessity of purchasing a life insurance policy before the arrival of their new bundle of joy! Most women think about life insurance only when they are pregnant, but after reading this article, you might want to consider the advantages of buying life insurance even before you get pregnant.Do pregnant women have to pay higher life insurance rates?
What kind of life insurance rates can pregnant women expect? If youre pregnant and seeking life insurance, youll soon find that life insurance rates for expectant mothers are higher than those who are not pregnant. Why? Pregnancy is associated with higher mortality rates and therefore attracts higher premiums. In fact, some insurance companies may defer coverage 6 to 8 weeks until after you have delivered.
There are some life insurance companies that may even offer preferred rates for pregnant women but if you suffer from any of the complications mentioned below, youre likely to attract higher premiums:
Women who have had health complications in a previous pregnancy.
Life insurance companies may deny pregnant women coverage if they have had gestational diabetes or high blood pressure during their current pregnancy or in previous pregnancies. Pregnant women with such a history are often considered uninsurable.
About 4 percent of pregnant women in the United States have gestational diabetes.
About 8 percent of pregnant women experience hypertension, symptoms of high blood pressure during their pregnancy. Chronic high blood pressure that occurs before the 20th week does not go away after delivery. In most cases, women with high blood pressure have healthy pregnancies, but statistics show that for one in four cases high blood pressure can progress to a more serious condition called preeclampsia.
Most life insurance companies will deny coverage to women who have had preeclampsia. Preeclampsia is marked by hypertension and protein in the urine.
Women who have had a caesarean or c-section birth for previous children may have to pay increased rates.
What pregnant women can do to get cheaper life insurance rates?
Buy life insurance before any of the complications described above start. Gestational diabetes or high blood pressure typically does not develop until the second trimester, although it has been known to develop as early as 20 weeks. The best time for pregnant women to buy life insurance is within the first two trimesters.
If youre pregnant and seeking life insurance, dont be too discouraged. Keep searching for better life insurance ratescompare quotes from as many companies as you can. Take advantage of aggregator websites that offer free life insurance quotes. Its convenient, quick and online is the place youll find the maximum discountssometimes up to 70 percent! For instance a pregnant mother with minimal gestational diabetes can fill in an online questionnaire. The details of her condition, age, and other relevant information will be filtered through a database that contains more than thousands of life insurance policies.
Aggregator websites will send you several of the best quotes offered by top-rated life insurance companies. The more policies there are the more chances you have of finding the best life insurance rate for yourself. You have opportunity to do a comparative study and choose the one that best fits your life insurance needs.
The advantages of buying life insurance before you get pregnant
Buy life insurance before you get pregnant. Its relatively easier to get life insurance if youre not pregnant. If you get a level term life insurance policy you can enjoy these rates for the entire term period. You wont have to worry about hikes in life insurance rates when you become pregnant or any health complications that may arise during pregnancy or because of other health factors.
Another good reason to buy life insurance before you get pregnant is because life insurance rates increase as your weight increases! Most women find it hard to shed those extra pounds gained after pregnancy and are more likely to pay for it after pregnancy through increased insurance rates.
Protect Your Family with Life Insurance
Starting a family makes it all the more necessary for you to consider financially protecting your family with a life insurance policy. Like other momentous occasions in your life such as marriage, the purchase of a new home, the addition of a new member to your family should force you to pause and consider how you can safeguard the future of your little one to ensure that she/he has all the financial advantage they need to proper in life. A life insurance policy offers a financial safeguard to all that is precious to you.
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