{"id":830,"date":"2019-07-15T21:10:17","date_gmt":"2019-07-15T21:10:17","guid":{"rendered":"https:\/\/ladderlife.com/blog\/?p=830"},"modified":"2021-05-19T19:13:02","modified_gmt":"2021-05-19T19:13:02","slug":"pregnant-and-applying-for-life-insurance-heres-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/ladderlife.com/blog\/2019\/07\/15\/pregnant-and-applying-for-life-insurance-heres-what-you-need-to-know\/","title":{"rendered":"Pregnant and Applying for Life Insurance? Here’s What You Need to Know"},"content":{"rendered":"\n

By Christina Baldwin, Underwriter @ Ladder and Teddy Hess, Head of Customer Experience @ Ladder<\/h4>\n\n\n\n

Preparing for the arrival of a new baby is an exciting time often filled with plenty of questions like: \u201cWhat color should I paint the nursery?\u201d Or \u201cDo I really need a swing AND a bouncy seat?\u201d While we can\u2019t answer if yellow walls keep babies awake or if swinging helps them sleep, we can answer questions you may have about applying for life insurance while pregnant. Here are some of the most asked questions we get from customers who are expecting:<\/p>\n\n\n\n

Can I apply for life insurance while I\u2019m pregnant?<\/strong><\/h3>\n\n\n\n

It\u2019s a common misconception that you shouldn\u2019t apply for life insurance when you are pregnant. <\/p>\n\n\n\n

Applying for life insurance before your baby is born and your days get busier is a great idea. 
<\/p>\n\n\n\n

The application process won\u2019t be different just because you\u2019re pregnant. It can take as few as 5 minutes to ensure your family has the protection they need.
<\/p>\n\n\n\n

Will my life insurance cost more because I\u2019m pregnant?<\/strong><\/h3>\n\n\n\n

We understand your body goes through a lot of changes while you are pregnant. We won\u2019t hold that against you. 
<\/p>\n\n\n\n

Letting us know you are pregnant helps us price your policy accurately. During the application process we\u2019ll ask for your pre-pregnancy weight and make allowances for weight gained during pregnancy. If an exam or lab tests are needed to complete your application, we\u2019ll adjust our review to accommodate for the changes in blood pressure or lab results that naturally occur during pregnancy. 
<\/p>\n\n\n\n

If your pregnancy has complications, we\u2019ll do our best to work with you to gather details so we can make a decision on your application.
<\/p>\n\n\n\n

Do I really need coverage if I don\u2019t earn as much as my partner or if I\u2019m planning to be a stay at home parent?<\/strong><\/h3>\n\n\n\n

Just because you may not be the primary earner or do not have personal income doesn\u2019t mean you don\u2019t provide financial value to your family. 
<\/p>\n\n\n\n

Life insurance gives your family peace of mind. If anything happens to you, they can have financial security knowing day to day activities like childcare, education, and running a household can be maintained. Becoming a parent is priceless, and life insurance can be a gift to your family during difficult times.
<\/p>\n\n\n\n

Who should I make my beneficiary and should I include my baby?<\/strong><\/h3>\n\n\n\n

Choosing a beneficiary is a matter of personal preference. Many people list their spouse or children; others list a family member that would take care of their children or a legal trust.<\/p>\n\n\n\n

Generally, life insurance funds will not be paid directly to a minor. If you are choosing a child, it is important to consider selecting a financial custodian as well. If a custodian is not provided, a probate court assigns a financial guardian until the child is of an age where they can receive the funds. <\/p>\n\n\n\n

The beneficiary choice you make during the application process doesn\u2019t have to be the one you stick with. You can update the beneficiary on your account page if your preferences change. <\/p>\n\n\n\n

Still have questions?<\/strong><\/h3>\n\n\n\n

Figuring out what a crying baby wants can be hard, but at Ladder we can at least make life insurance simple. Try our calculator<\/a> to figure out how much coverage you need. You can also contact us<\/a> with any other questions. 
<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

By Christina Baldwin, Underwriter @ Ladder and Teddy Hess, Head of Customer Experience @ Ladder Preparing for the arrival of a new baby is an exciting time often filled with plenty of questions like: \u201cWhat color should I paint the nursery?\u201d Or \u201cDo I really need a swing AND a bouncy seat?\u201d While we can\u2019t answer if yellow walls keep babies awake or if swinging helps them sleep, we can answer questions you may have about applying for life insurance while pregnant. Here are some of the most asked questions we get from customers who are expecting: Can I apply for life insurance while I\u2019m pregnant? It\u2019s a common misconception that you shouldn\u2019t apply for life insurance when you are pregnant.  Applying for life insurance before your baby is born and your days get busier is a great idea.  The application process won\u2019t be different just because you\u2019re pregnant. It can take as few as 5 minutes to ensure your family has the protection they need. Will my life insurance cost more because I\u2019m pregnant? We understand your body goes through a lot of changes while you are pregnant. We won\u2019t hold that against you.  Letting us know you are […]<\/p>\n","protected":false},"author":3,"featured_media":874,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":""},"categories":[103],"tags":[7,93,92],"jetpack_featured_media_url":"https:\/\/i2.wp.com\/ladderlife.com/blog\/wp-content\/uploads\/2019\/07\/pregnant-woman-1910302_1280.png?fit=1280%2C853&ssl=1","yoast_head":"\nPregnant and Applying for Life Insurance? Here's What You Need to Know | Ladder Life Insurance Blog<\/title>\n<meta name=\"description\" content=\"It\u2019s a common misconception that you shouldn\u2019t apply for life insurance when you're pregnant. 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