Life Insurance and Pregnancy: Considerations for the Family, Mother and Newborn

Many parents think of having their first child as a life-changing moment marking a major shift in priorities wherein the well-being of another moves to the forefront of their lives. For some families, the decision to start a family can be a natural starting point for buying a life insurance policy. Life insurance can provide financial security for your remaining family members in the event of an unexpected passing of a family’s wage-earner. While the thought is not a pleasant one, the right insurance policy might provide a measure of comfort to the remaining members of a family.

As with any life insurance decision, buying coverage during pregnancy requires an understanding of what risks the family is protecting against, and how much insurance coverage will provide the family with security against those risks. If you are considering a life insurance policy for the first time, here are some simple guidelines for both expecting parents in getting started:

The considerations in finding the right policy for your circumstance go far beyond the simple considerations above, and we encourage you to research further on and other sites, and consult with a licensed professional.

However, on this page, we want to examine some special circumstances for expecting parents who are considering a policy in conjunction with a planned or expected pregnancy.

Life Insurance for the Mother

There are some deeper considerations and advice specific to purchasing life insurance coverage for the expecting mother. Here are some general pointers if you are in this situation:

Life Insurance for the Newborn

While you may be see solicitations for life insurance for your child or newborn, we do not recommend buying a life insurance policy for a newborn - in most instances. The rationale for newborn life insurance is limited, as life insurance is primarily intended to provide security against the loss of wages in the event of an unintended death. Some companies or agents may pitch child life insurance as an investment vehicle for your child. The rationale against this argument is simply put: there are better mechanisms for investing in your child’s future.

Lastly and most importantly, wishes you our very best, to you and to your family, during the pregnancy and beyond.
As a reminder, while advice is provided on this site, is a consumer resource for informational purposes only and should not replace the advice of a licensed life insurance professional. The specifics of any life insurance should be provided by either your life insurance company of an agent of that company.

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