Life Insurance & Pregancy
“Can you get life insurance while pregnant?” Are there special underwriting factors? What is the best way to get life insurance as a pregnant woman?”
You are reading some of the most frequently asked questions in the life insurance field.
The most common answer is this: Typically, the best time to get life insurance is before you give birth to your newborn child. But let’s examine which conditions might be cause for concern?
Are your pregnant now? If you have a normal pregnancy and are otherwise low-risk, you can still get life insurance even while you’re pregnant. Expect the underwriter to order your medical records when you apply for insurance during pregnancy. The process may take a few extra weeks when records are ordered from your doctor’s office.
What is the life insurer looking for at this point? The underwriter wants to see what your weight was before and make sure that you’ve added a healthy amount of baby weight. They also want to make sure you don’t have any complications.
Are there actual medical issues that an insurance underwriter be concerned about with your pregnancy? A few complications may pose a risk.
An ectopic pregnancy is defined as one where the fertilized egg is attached in some other place than the uterus. The symptoms of such a condition could include pain and discomfort. However in the most evere cases, this condition could be a real cause for concern.
If you have an ectopic pregnancy, the life insurance underwriter will want to see your detailed medical records and make sure you have good follow-ups. In some cases, you may have to wait until after you deliver your baby to get your policy.
Gestational diabetes is a form of diabetes that only shows up in pregnant women. It is usually easy to manage and goes away after having your baby.
This condition will increase your future risk of developing diabetes later in life. A key co0ncern is that a woman’s diabetes brought on during fgestationk may not disappear after delivery. Since diabetes an be a cause for other ailments, including everything from a lower immune system to heart problems, getting life insurance may be problematic.
Preeclampsia is another common pregnancy complication that may affect your life insurance. It is characterized primarily by high blood pressure. Your ability to get life insurance with preeclampsia will depend on your specific medical history and the life insurance company you choose. An underwriter may be comfortable with a stable situation that is well-controlled. In many cases, however, you may have to wait until after your condition completely resolves to re-apply for life insurance.
Getting Ready for Baby
If you have a normal pregnancy, go ahead and get a life insurance quote. Explain you are with-child in the open field and answer the rest of the questions normally.
If you experience complications while pregnant, you may still be able to get life insurance. The best advice is to be patient with the underwriting process. Depending on your situation, you may be asked to re-apply after your condition has resolved. If the life insurance rate you get comes back higher than you expected, go ahead and take it, knowing that you can always apply again later to try to reduce your premium.
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