Life Insurance and Pregnancy

Having a child is a major life event that drives people to consider getting term life insurance. When you have loved ones who depend on you financially, term life insurance provides a cost-effective way to protect them from financial hardship if you were to suddenly pass away. If you plan on having children, many people seem to wait until they are pregnant or had the baby already before they purchase life insurance.

Though it would be ideal to purchase life insurance before you have the baby, that is far from reality with most people. The best time to purchase life insurance would be before you are pregnant or in the first few months of being pregnant. After that, it is best to wait until you have the baby.
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Underwriting varies amount life insurance companies, but most will consider you for a term life policy if you apply during the first or second trimester. At that stage, pregnancy weight gain won't have reached its full effect. There might be long-term complications too which would hinder your application such as gestational diabetes and preeclampsia.  Weight gain is another concern for women. Insurance companies do not take that into account. Your weight during the paramedical exam will be the weight used in your final rating. We recommend you get started early with life insurance before your pregnancy or in the first trimester. 

​​Pepe Insurance Agency is your trusted local insurance agent located at Poughquag, NY in Dutchess County. We do our best to make sure that our clients are well-protected with affordable life insurance. We make sure to go the extra mile to help you with your needs. Call us today to discuss your life insurance needs.