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Many clients come to me looking for insurance after an exciting event in their life, like getting married, buying a new home, but most especially when they are starting a family. It is natural to start thinking about the future of your family when you are expecting a new member to arrive soon!
These days, insurers see quite a few applications from expecting parents. The good news is that most insurance companies will welcome your life insurance or critical illness application during pregnancy or just after delivery. If your pregnancy has been normal and healthy, the underwriting will be very similar to that for non-pregnant applications. Underwriting is when the insurer reviews the medical history and potentially also medical evidence that you have provided in your application.
In most cases, insurers can issue a standard life insurance or critical illness insurance policy, with little or no change in the terms. Disability insurance applications may have to be put on hold until after your baby's delivery.
For extended health benefits, such as individual health and dental plans, in many cases a standard policy can be issued.
With life and critical illness insurance applications, insurers will adjust their underwriting standards to take into account changes that are normally seen in pregnancy but don't affect your ability to get coverage, such as weight gain (approximately 15 to 40 pounds), blood profile (such as increased cholesterol, or lower iron), and innocent heart murmurs (due to increased blood volume).
Unfortunately, there are some situations where the insurer may ask you to postpone your application until after the baby is born: if you have been diagnosed with gestational diabetes or have a history of gestational diabetes, toxemia / pre-eclampsia, full eclampsia, and HELLP syndrome. High risk pregnancies due to an existing medical condition also fall into this category.
If you are pregnant and looking into insurance, please feel free to call me at 604.872.2866 to talk about the specifics of your situation. I've helped many preganant clients get coverage and I'd be happy to answer any questions you may have!
Sincerely,
Rachel von Sturmer
Benefits Plans
True Benefits can help you find the best employee benefits plan.
We have access to over 25 insurers, including the Chamber of Commerce Group Benefits Plan.
Life Insurance Rates
Here are monthly Term 10 Life Insurance rates for a healthy, non-smoker as of March 2012:
| Women | |||
| $250,000 | $500,000 | $750,000 | |
| Age 25 | $12 | $18 | $24 |
| Age 35 | $14 | $22 | $30 |
| Age 45 | $22 | $35 | $51 |
| Age 55 | $52 | $88 | $130 |
| Men | |||
| $250,000 | $500,000 | $750,000 | |
| Age 25 | $18 | $28 | $39 |
| Age 35 | $19 | $29 | $42 |
| Age 45 | $30 | $53 | $78 |
| Age 55 | $72 | $135 | $201 |
For a free personalized insurance quote, click here.
Clients Say:
"Rachel is professional, courteous and very knowledgeable while providing outstanding customer service. She is well prepared, delivers personal service, and understands our desire to provide the best possible benefit plan to our employees in the most cost effective manner."
"I appreciate having a person who is both local and accessible, and was impressed with the initial presentation outlining the options available to us. It is extremely helpful to have Rachel advocating on our behalf."
"True Benefits has totally met our needs. Rachel gives personalized attention, and is very thorough. She has suggested many good ideas that we have used to benefit our employees."
"I have referred many clients to Rachel in the past, and without exception, they have all commented to me on her professionalism, vast industry knowledge, great service, and fast response time."
Thank you for everything that you have done for our family. We are grateful for all your hard work. We look forward to working with you again in the future.
"True Benefits has an understanding and awareness of the importance of an effective benefits program. They're proactive in looking for cost effective improvements to plan design and cost containment strategies. My expectations were exceeded - Rachel delivered as promised in a timely manner."
"Thank you Rachel. Great service as always. You anticipated our needs."
I used True Benefits to sort through a tricky health insurance issue related to immigration status and an expired work permit. Rachel recommended a cost effective solution and quickly verified the policy was the best choice for my situation. My new health coverage was effective within 2 hours of my initial call to Rachel! I highly recommend working with Rachel at True Benefits for cost effective solutions and friendly and efficient service.
Your attention to detail and willingness to never to never take "no" for an answer on my behalf left me in awe of your business ethics.
I will continue to use your services, based on your work ethic and my ability to trust that the policy you are suggesting is perfect for me.
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