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01-23-2013 at 11:29 AM
leighzlou
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Joined on 01-14-2005
Houston
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leighzlou is not online. Last active: 04-25-2013, 9:35 AMBronze

Life Insurance

Anyone have any luck getting life insurance since you've been pregnant? This baby caught us off guard, and I'm going to have a 2 month gap between my current policy ending and once he/she is born. I applied through Zander Ins already and was denied solely based on the pregnancy.



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01-23-2013 at 11:48 AM
1026pumpki...
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1026pumpkin is not online. Last active: 05-15-2013, 11:55 PMSilver

Are you eligible for life insurance through your employer?  If so, delivering the baby is considered a "life event" and you can change your enrollments to add life insurance as a temporary coverage.  Then, you can shop around for a personal policy after you deliver.

You might want tp shop around using an independent insurance broker- you can probably find a policy to cover you while you're pregnant, it might just be a lot more pricey and not cover complications of child birth, but you could probably drop the policy and shop for a better one after LO is here. 


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01-23-2013 at 12:03 PM
Ms.Wax
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MA
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Ms.Wax is not online. Last active: 05-22-2013, 10:53 AMBronze
I got a new policy with SBLI when I was pregnant with DS2.  There are plenty of companies that issue policies to pregnant women.  Keep looking.
01-23-2013 at 12:15 PM
leighzlou
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Houston
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leighzlou is not online. Last active: 04-25-2013, 9:35 AMBronze
1026pumpkin:

Are you eligible for life insurance through your employer?  If so, delivering the baby is considered a "life event" and you can change your enrollments to add life insurance as a temporary coverage.  Then, you can shop around for a personal policy after you deliver.

You might want tp shop around using an independent insurance broker- you can probably find a policy to cover you while you're pregnant, it might just be a lot more pricey and not cover complications of child birth, but you could probably drop the policy and shop for a better one after LO is here. 

 That's the problem. My current life insurance is with my employer, but I will be leaving them to stay home in August and I am due in September, so there will be a gap if I can't get coverage somewhere else.  




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01-23-2013 at 12:26 PM
Ladydianna
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New York
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Ladydianna is not online. Last active: 05-23-2013, 8:04 AMBronze
I just increased my policy through Liberty Mutual. And my Sil just got hers a couple months ago from State Farm, she was 5months pregnant.  Did you try going through the same company you have your car or homeowners through?

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01-23-2013 at 1:14 PM
singahappy...
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Joined on 10-30-2012
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singahappysong is not online. Last active: 05-22-2013, 11:36 PMBronze
I know lots of people who've been able to get life insurance through pregnancy....it might be tough finding one, but it's possible! I just don't know where or how....sorry for being no help, but I wanted to encourage you to not give up looking!
01-23-2013 at 3:15 PM
abell77
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Joined on 02-07-2008
Roseville, CA
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abell77 is not online. Last active: 05-22-2013, 1:19 AMSilver
my husband and I got life insurance for the first time (not through our employers) while I was pregnant with my first child.  The pregnancy wasn't an issue.

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01-23-2013 at 9:14 PM
HD12
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HD12 is not online. Last active: 05-19-2013, 8:40 PMBronze
I just got it through American Family Insurance. GL!

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