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Life Insurance Should Keep Up With Life Changes (Having a Baby)

Life Insurance Should Keep Up With Life Changes (Having a Baby)

Life Insurance Should Keep Up With Life Changes (Having a Baby)

Changes in life should also bring about changes in your life insurance plan.

Whether you’re about to have a baby, or already had one, one of the most important questions you should be asking yourself is: what’s going to happen to my child if I get ill, or, even worse, pass away? Will your family be able to keep paying the mortgage? What about food, loans, or even tuition for when your child comes of age? For many families, purchasing a life insurance plan is able to put these questions to rest. Life insurance can save your family the hassle of dealing with these questions, should anything happen to you.

Types of Life Insurance

  • Term Life Insurance

These kinds of policies are a lot like your car insurance, in that, your policy only covers you while the policy is active. If the policy ends, and (thankfully) nothing of dire consequence has happened to you, your beneficiaries will not receive any benefits.

  • Whole Life Insurance

Like the name suggests, whole life insurance is a permanent life insurance and is often referred to as a “cash value” policy. Over the years the amount of money that you’ve put into your whole life insurance policy grows and increases in value. If, after you retire, you wish to cash out your policy you may do so, or keep it just in case.

When Do You Need a Policy?

As soon as possible. If this answer is not as specific as you’d like, then it should be as soon as you and your partner decide on having (or adopting) a baby. The majority of providers won’t sell you life insurance within two months of you or your significant other’s due date. It’s best to get it early on, or right after it’s born.


For help finding the right life insurance policy, contact Remland Insurance in the City of Orange. We will work with you to find the right policy that will meet the needs of your family, all at the right price.


The COVID 19 virus has certainly changed our lives for the short term both at home and at work. Our office is working in compliance with state and local officials and their request to minimize contact with others for the short term so that we can shorten the life of this virus.
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