Welcome to Quotacy’s Q&A Friday where we answer your life insurance questions. Quotacy is an online life insurance agency where you can get life insurance on your terms. I’m Jeanna and I’m Natasha Today’s question is: Can I get life insurance while pregnant? Yes, most pregnant women can still qualify for life insurance even while pregnant. But it can be challenging if you don’t go with the right insurance company. The reason why it’s sometimes challenging for pregnant women to obtain life insurance coverage is because there are conditions, like high blood pressure and gestational diabetes, that influence how an insurance company evaluates your risk. If you have any pregnancy-related health issues, many insurance companies would prefer to postpone an application six weeks post-delivery. Waiting six weeks is typical because insurance companies also want to watch for postpartum depression. But this isn’t the case for ALL insurance companies. Your best chances of getting affordable life insurance if you’re pregnant is to apply through a life insurance broker or independent agency like Quotacy. Independent brokers and agents are not tied to one insurance company. They can shop the market advocating on your behalf. Here at Quotacy, our agents have worked with many pregnant applicants successfully getting them approved for life insurance coverage. You’ll have more options if you apply during your first or second trimester, but coverage is still available during your third trimester. Another challenging aspect of getting life insurance while pregnant is the cost. Let’s say you’re in your sixth month of your pregnancy and your blood pressure and cholesterol are higher than normal. You’re also 20 pounds more than your average weight. These factors alone will raise your policy premiums with most insurance companies. And if you’ve only ever come across these companies, you may be starting to feel discouraged about buying life insurance. However, there are certain companies that will give pregnant women a break on their lab results and current weight and instead consider their pre-pregnancy records. They would review your previous years of health records to determine what your normal weight, cholesterol, blood pressure, et cetera is and offer you a price based on these numbers. Going this route can save you hundreds of dollars each year on your life insurance policy. The benefit of working with Quotacy is that our agents review your application and because of our years of experience working with multiple insurance companies, we know which company will give you the best pricing. And we’ll work with you to apply to that company. Many women end up waiting until after pregnancy to buy life insurance because of all the challenges we discussed. But if you can buy life insurance before or during pregnancy, we recommend it. Don’t wait. Our agents can help. Start by getting a free term life insurance quote today and apply right online. Your dedicated agent will work with you every step of the way. Thanks for watching. If you have any questions about life insurance, make sure to leave us a comment. And if you have any questions regarding today’s topic, check out the blog link posted below. Otherwise, tune in next week when we talk about how to name more than one beneficiary on your life insurance policy. Bye! Thanks for sticking around. We’d appreciate it if you Liked the video and hit that fancy little Subscribe button to see us every week. Bye!