You can get life insurance for a baby after it is born or even while the baby is still in the uterus. But it’s best to get it before you have children.
Why? Because pregnancies can cause complications for the mother – for both her own health and the initial medical exam for a policy. Red flags for insurance providers include:
Preeclampsia (occurs in 1 in 25 of all pregnancies)¹
Gestational Diabetes Mellitus (affects 2-10% of women)²
High cholesterol (rises during pregnancy and breastfeeding)³
A C-section (accounts for 32% of all deliveries)⁴
Furthermore, the benefits of youth are a powerful incentive to get life insurance for both the mother and father.
The younger you are, the easier it is to get life insurance. This can financially protect your family if you or your spouse have an unexpected event in their life.
If you are a new parent or thinking about becoming one, contact me to open up insurance for your soon-to-be growing family. We can discuss what options would be best for you.
¹ “Everything you need to know about preeclampsia,” Medical News Today, https://www.medicalnewstoday.com/articles/252025#Summary
² “Gestational Diabetes,” CDC, Aug 10, 2021, https://www.cdc.gov/diabetes/basics/gestational.html
³ “How to Manage Your Cholesterol Levels During Pregnancy,” Judith Marcin, M.D., Anna Schaefer, Healthline, https://www.healthline.com/health/pregnancy/manage-cholesterol-levels-during-pregnancy
⁴ “Births – Method of Delivery,” CDC, Oct 20, 2021, https://www.cdc.gov/nchs/fastats/delivery.htm