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Life Insurance For Expecting Moms


So, you’re starting a family — congrats! This is an exciting time that requires a lot of thinking ahead and planning. With a new life growing inside you, there’s no better time to think about purchasing a life insurance policy. After all, once your child is born, he or she will depend on you for everything. You’re probably not thinking much about your own mortality at this time, but you do need to be prepared for the worst. You owe it to your future family to make sure they are taken care of in the event of your death.




Frequently Asked Questions


  1. What kind of life insurance is best for new moms?

    2. There’s no right or wrong way to go. Term and permanent life insurance both have their advantages and disadvantages. Term is great for young families because it is less expensive than permanent. Term life insurance plans end after a predetermined amount of time, so you can stay covered until your child turns 18, at which time he or she may be able to take care of himself financially. The point, as you may know, is to ensure that your dependents are financially stable should you die and your income cease to support them, so this kind of plan makes sense for parents. Permanent life insurance, on the other hand, is more expensive but provides lifelong coverage, which is valuable for anyone.

  2. Does it make a difference if I’m a working mom or a stay-at-home mom?

    You would think that since stay-at-home moms don’t make an income, there would be no point in purchasing a life insurance policy. This, however, isn’t the reality. What stay-at-home moms do for their families is extremely valuable. Were you to die, there would be no cash flow to be cut off, but who would take on all those responsibilities? The surviving partner would either have to invest money into childcare and hire a housekeeper, or cut down their work hours and do these tasks themselves.

  3. Can I purchase a life insurance policy while I’m pregnant?

    If it is early enough in your pregnancy and there are no medical complications or health risks, then you should be able to get coverage easily. If there are medical issues, life insurance may be more difficult to secure. Some companies may want to wait until after your child is born.

There is a lot to consider when choosing a life insurance policy. For more information, talk to a life insurance professional.

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Neither Bankers Fidelity Life Insurance Company®, Bankers Fidelity Assurance Company® or Atlantic Capital Life Assurance Company™ nor its Medicare Supplement policies are affiliated with or endorsed by the U.S. Government, the federal Medicare program, or the Centers for Medicare and Medicaid Services. This is a solicitation of Medicare Supplement insurance and an independent agent may call on you. The Medicare Supplement products issued by the Company are insurance policies. Policy form series B 21092 is issued by Bankers Fidelity Life Insurance Company®, Atlanta, GA; policy form series B 21492 is issued by Bankers Fidelity Assurance Company®, Atlanta, GA; policy form series A 22392 is issued by Atlantic Capital Life Assurance Company™, Atlanta, GA. Limitations and exclusions apply; actual policy provisions control. Rates subject to change on a class basis. Individually underwritten; application to determine eligibility required. Bankers Fidelity is not licensed to sell any products in CA, CT, NY or VT. Medicare Supplement products are not available in: AK, CA, CT, FL, HI, ID, MA, ME, MN, MO, NE, NH, NV, NY, OR, RI, VT, WA, or WI. Plan availability can vary by state.