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melbalalala
Little Lady
Member since 5/07 5014 total posts
Name:
Melissa
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Buying Life Insurance while Pregnant? (medical exam question)
Has anyone bought a policy and gone through the medical exam for it?
DH and I are trying to get answers on how much leeway they give a preggo. I was at one of my highest weights when I got pregnant and know that I'm currently pretty high on the weight charts for my height. My BP and is normal and healthy for a preggo, but not for someone that isn't pregnant.
How do they calculate the different payment tiers (best health, avg health, etc.) for a preggo?
Part of me wants to wait a year or so to get the life insurance when I can get my weight back to normal and get the best rate, but the point is to have it because baby is coming!
Any advice?
ETA: the company DH is looking at sends a nurse to your house to test you if that changes your answer at all....
Message edited 6/18/2010 1:39:27 PM.
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Posted 6/18/10 1:11 PM  |
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LML
Twins!
Member since 10/09 1320 total posts
Name:
Laura
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Re: Buying Life Insurance while Pregnant? (medical exam question)
We just purchased more life insurance and I got approved at the best rate. I had already gained 30 lbs at that point and it didn't affect my rate at all. When you fill in the health questionnaire one of the questions was about if you had gained or lost more than 10 or 20lbs in the last year (I can't remember the exact amount). Then you just write notes that your weight gain was due to pregnancy and when your EDD is.
A friend of ours is an insurance salesman and we worked through him to figure out how much we needed and which company to purchase from. If you want his contact info, just let me know. I think we wound up going through TransAmerica and apparently they have some of the easiest screening restrictions.
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| Posted 6/18/10 1:17 PM |
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Aries14
Can't plan life...
Member since 8/08 2860 total posts
Name:
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Re: Buying Life Insurance while Pregnant? (medical exam question)
we did it when I was preggo. They ask if you gained weight in the last year or so and then have a spot for a 'reason'. So I wrote in "pregnancy" so they would know that the weight gain was for that and not just an unhealthy reason. I also have a heart mummer and I still got the best tier. Good Luck.
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| Posted 6/18/10 1:34 PM |
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-Lisa-
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Member since 5/05 6530 total posts
Name:
Lisa
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Re: Buying Life Insurance while Pregnant? (medical exam question)
I was pregnant the last time we updated our policies. I was early on though so weight gain wasn't an issue. My blood pressure didn't change during my pregnancies.
It didn't affect my rate at all.
Message edited 6/18/2010 1:35:23 PM.
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| Posted 6/18/10 1:34 PM |
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maybeamommy
Blessed beyond belief
Member since 10/07 17048 total posts
Name:
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Re: Buying Life Insurance while Pregnant? (medical exam question)
we did it while pregnant and it was not a problem at all...
i was VERY pregnant at the time and the hardest part was waiting to pee until the guy got there! 
there are a few spots where you write that you are pregnant, so it's not a problem for things like weight, BP, etc. 
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| Posted 6/18/10 1:43 PM |
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Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
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Re: Buying Life Insurance while Pregnant? (medical exam question)
They take the pre pregnancy weight, for starters.
Of course other things are ruled out since while pg, things can happen and change.
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| Posted 6/18/10 2:12 PM |
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nycgirl
Angels!
Member since 3/09 7721 total posts
Name:
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Re: Buying Life Insurance while Pregnant? (medical exam question)
I was told to get disability insurance BEFORE getting pregnant. (it's much more $$ than life)
They did a pregnancy test on me, in addition to a LOT of bloodwork. I think it's quite a bit harder to get.
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| Posted 6/18/10 2:15 PM |
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NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
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Re: Buying Life Insurance while Pregnant? (medical exam question)
Posted by nycgirl
I was told to get disability insurance BEFORE getting pregnant. (it's much more $$ than life)
They did a pregnancy test on me, in addition to a LOT of bloodwork. I think it's quite a bit harder to get.
yes because they want to make sure you are not preggo before getting the disability insurance- they don't want to take someone on who is going to use the policy in less than 9 months.
With Aflac you can't use it for a birth that occurs less than 10 months after you sign up.
It's a bummer! But I can understand why they do it!
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| Posted 6/18/10 2:46 PM |
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Missy12608
LIF Toddler
Member since 3/10 453 total posts
Name:
Melissa
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Re: Buying Life Insurance while Pregnant? (medical exam question)
Posted by LML
We just purchased more life insurance and I got approved at the best rate. I had already gained 30 lbs at that point and it didn't affect my rate at all. When you fill in the health questionnaire one of the questions was about if you had gained or lost more than 10 or 20lbs in the last year (I can't remember the exact amount). Then you just write notes that your weight gain was due to pregnancy and when your EDD is.
A friend of ours is an insurance salesman and we worked through him to figure out how much we needed and which company to purchase from. If you want his contact info, just let me know. I think we wound up going through TransAmerica and apparently they have some of the easiest screening restrictions.
DH and I are looking into life ins too but no one is calling me back 
Would it be possible to have his info? Im just worried about my weight as well i mean im up 25-30 lbs
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| Posted 6/18/10 3:00 PM |
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LML
Twins!
Member since 10/09 1320 total posts
Name:
Laura
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Re: Buying Life Insurance while Pregnant? (medical exam question)
Posted by Missy12608
DH and I are looking into life ins too but no one is calling me back
Would it be possible to have his info? Im just worried about my weight as well i mean im up 25-30 lbs
I actually live in the DC area so it probably wouldn't be much use to you. Are you on LI? If so, let me ask if he knows anyone that works up there.
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| Posted 6/18/10 3:02 PM |
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Missy12608
LIF Toddler
Member since 3/10 453 total posts
Name:
Melissa
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Re: Buying Life Insurance while Pregnant? (medical exam question)
Posted by LML
Posted by Missy12608
DH and I are looking into life ins too but no one is calling me back
Would it be possible to have his info? Im just worried about my weight as well i mean im up 25-30 lbs
I actually live in the DC area so it probably wouldn't be much use to you. Are you on LI? If so, let me ask if he knows anyone that works up there.
Yes Im on LI im in Suffolk county
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| Posted 6/18/10 3:03 PM |
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Dee0522
And then there were four...
Member since 6/09 2088 total posts
Name:
Denise
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Re: Buying Life Insurance while Pregnant? (medical exam question)
We had our physicals for life insurance when I was 24 weeks pg. It wasn't a big deal at all... she weighed me and to the question "have you gained more than 10 lbs in the past year" she just put down that I was pg.
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| Posted 6/18/10 4:23 PM |
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Danacm80
LIF Infant
Member since 7/09 187 total posts
Name:
Dana
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Re: Buying Life Insurance while Pregnant? (medical exam question)
Yea we did it while pregnant....didn't have any problems at all.
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| Posted 6/18/10 8:28 PM |
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