Most women think about life insurance only when they are pregnant, but after reading this article, you might want to consider the advantages of buying life insurance even before you get pregnant.
Do pregnant women have to pay higher life insurance rates?
What kind of life insurance rates can pregnant women expect? If you’re pregnant and seeking life insurance, you’ll soon find that life insurance rates for expectant mothers are higher than those who are not pregnant. Why? Pregnancy is associated with higher mortality rates and therefore attracts higher premiums. In fact, some insurance companies may defer coverage 6 to 8 weeks until after you have delivered.
There are some life insurance companies that may even offer preferred rates for pregnant women but if you suffer from any of the complications mentioned below, you’re likely to attract higher premiums:
Women who have had health complications in a previous pregnancy.
Life insurance companies may deny pregnant women coverage if they have had gestational diabetes or high blood pressure during their current pregnancy or in previous pregnancies. Pregnant women with such a history are often considered uninsurable.
About 4 percent of pregnant women in the United States have gestational diabetes.
About 8 percent of pregnant women experience hypertension, symptoms of high blood pressure during their pregnancy. Chronic high blood pressure that occurs before the 20th week does not go away after delivery. In most cases, women with high blood pressure have healthy pregnancies, but statistics show that for one in four cases high blood pressure can progress to a more serious condition called preeclampsia.
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