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Impact of Pregnancy on Life Insurance Rates

Impact of Pregnancy on Life Insurance Rates

If you apply for a life insurance policy while you are pregnant, you cannot be denied coverage due to the pregnancy per se if you do not have any serious pregnancy-related complications. However, due to your fluctuating health condition buying a policy during pregnancy may cost you more than usual.

This blog covers all the important aspects that you must know about buying life insurance during pregnancy and provides you with the essential details that can help you make an informed decision about what works best for you.

In What Ways Does Pregnancy Impact Life Insurance Rates?

Your pregnancy may impact your life insurance rates due to the following factors:

Weight Gain

Even if your pregnancy is smooth, one common aspect of all pregnancies is weight gain. While most insurance providers consider your pre-pregnancy weight for the entire duration of your pregnancy till nearly six months after childbirth, there are a few insurers who may use your post-pregnancy weight. While a constant weight gain may not affect your rates, if your weight gain is more than normal, you may have to pay a higher premium.

Medical history

You can expect a higher life insurance rate if you have a pre-existing medical condition that may affect your pregnancy, such as:

  • Hypertension
  • Diabetes
  • Anemia
  • Epilepsy
  • Obesity
  • Life-threatening or chronic illnesses

High-risk pregnancy

Also, be prepared to pay more if you are a high-risk pregnancy due to the following reasons:

  • Previous pregnancy complications
  • Older age
  • Gestational diabetes
  • Pre-eclampsia
  • High cholesterol
  • Multiple fetuses
  • Post-partum depression history
  • Cigarette, alcohol, or drug use

When Should You Apply for Life Insurance During Your Pregnancy?

While you may apply for life insurance at any stage of your pregnancy, doing so in the first trimester may be better. You may be offered better insurance coverage and costs in the initial phase because as the pregnancy advances, the chances of developing complications increase.

Steps for Buying Life Insurance if You Are Pregnant

To get your life insurance, you have to follow the steps mentioned below:

  • Mention your pregnancy, due date, and medications in the questionnaire
  • Take a medical test, if asked
  • Wait for the insurance rate offered by your insurer
  • Accept the offer if the rates and coverage align with your needs and budget

Riders to Consider While Buying Life Insurance During Your Pregnancy

You may consider the following riders while buying life insurance during your pregnancy. However, your availability of the rider depends on your insurer.

  • Child rider
  • Spousal rider
  • Disability income rider

Can Your Child Be Named as a Life Insurance Beneficiary?

You may name your child as your life insurance policy beneficiary, but it may not be the best option. Since the death benefit cannot be given to a minor, the money may be withheld in legal hassles about who should rightfully manage the money till the child becomes an adult.

Other Available Options If Your Life Insurance Application is Denied

Other options for you can be:

  • Group life insurance at your workplace
  • Wait till the end of the pregnancy

Secure Your Family’s Interests with Remland Insurance

If you want to cover your family’s family future with a  life insurance policy, contact us today. At Remland Insurance, you can be assured of getting the best coverage and rates for the life insurance coverage of your choice.

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