Wheeling, IL (PressExposure) April 30, 2010 -- AccuQuote, a leader in providing term life insurance quotes to people across the United States, provides pregnant moms with a list of things to consider when applying for term life insurance coverage.

Couples thinking about starting a family and those who are already expecting a child through pregnancy need life insurance protection. Why? Because even though the baby hasn’t arrived, the responsibility has.

“It’s our responsibility as parents and expecting parents to protect the ones we love, which includes protecting them financially,” says Byron Udell, founder and CEO of AccuQuote. “Life insurance is a selfless act of love that will protect your family’s future should something devastating and unexpected happen.”

For consumers starting a family and looking for a sufficient term life insurance policy, the following things should be considered:

• Apply before becoming pregnant – Women who apply for life insurance before becoming pregnant avoid admitting to health risks caused by the pregnancy. In addition, term life insurance rates are significantly lower for women. So the healthier she is, the more affordable her rate will be.
• Schedule a doctor’s visit before planning to become pregnant – This gives life insurance companies a clear picture of a woman’s pre-pregnancy height and weight measurements; allowing underwriters to determine whether any shifts in health were caused by the pregnancy or other risk factors.
• Get a cholesterol test early on – Before a woman becomes pregnant or during the early stages of her pregnancy, she should get her cholesterol tested. This gives life insurance companies a good idea of where her health stands. “Keep in mind that some life insurance companies may postpone your application until after your child is born if the numbers are too high,” says Udell.
• Be aware of complications – If complications have occurred due to pregnancy, some life insurance company’s will postpone a woman’s application until the child is born. However, women can reapply right away in order to provide protection for their newborn.
• Some life insurance is better than no coverage at all – “Remember, because of the risks that pregnancy can cause, your life insurance rate may be higher than if you weren’t pregnant,” says Udell. “However, even if you can’t afford the recommended 10 to 15 times your annual salary in life insurance coverage right now, having some protection is better than nothing at all. After your child is born, you can always reapply for a lower term life rate.”

About AccuQuote

AccuQuote helps consumers find the best values in term life insurance by combining instant online quotes with the personal service of unbiased life insurance professionals that can help answer questions, identify important issues, and make meaningful recommendations. The company offers consumers an extensive selection of life insurance options, including term life, whole life, and universal life, as well as selected annuities. The website has many handy insurance tools, including a life insurance needs calculator to help you figure out how much to buy, a glossary that explains industry terminology, a collection of articles that cover the basics about life insurance, and a blog which answers many questions about life insurance. For additional information or to get quotes for cheap term life insurance, please call 1-800-442-9899.

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