A growing family needs life insurance.

Protect your household and your income.

As your family grows, life insurance is an important aspect of financial planning which protects your family’s future.  Every family is unique.  Whether you are in the early stages of making plans to grow your family, expecting a new baby through pregnancy, surrogacy or adoption, or blending families, keep in mind that insurance is often more affordable the earlier you obtain it.

Determining what life insurance coverage you need.

We will work with you to determine what type of coverage you need and what fits your budget.  Term insurance is an affordable option for most families, although permanent insurance may be a good option for long term planning.  You will also need to decide which family members will be insured.  It’s also important to insure both a working parent who provides income, but also a parent who stays home and provides care for the family.  You may also want to obtain insurance for your child.   Each family member can be insured separately through individual life insurance or together under a family life insurance policy.

Getting life insurance coverage before and during pregnancy.

Yes, you can get life insurance while you are pregnant.  It is ideal to apply during the first trimester because pregnancy complications like gestational diabetes or pre-eclampsia can affect life insurance rates due to the increased health risks.

If pregnancy complications occur, it is common practice for a life insurance company to postpone approving your application until after a delivery.

If you are planning to become pregnant soon, then it is a good idea to apply for life insurance now so your coverage is in place and you don’t have worry about a potential rate change due to pregnancy complications. 

Insurance protection for children with special needs.

We know some families face the added challenge of planning for the future needs of their children with disabilities.  You may be planning to fund a special needs trust (SNT) with life insurance.  We will work with you to understand your unique needs so that you can have peace of mind that your child will be protected in the future.