How Having a Baby Affects Your Insurance Coverage | How to Insurance | 043
Hi, I’m Peter!
Welcome to HOW TO INSURANCE
Helping YOU understand insurance,
building CONFIDENCE for your future!
One of the most exciting calls I can get is from a client that is now pregnant or just had a baby! (and I have several clients having babies right now!)
New life and new beginnings produce hope and joy in all of us!
But what questions about insurance come up when having a baby?
Today we are talking about:
How Having a Baby Affects Your Insurance Coverage
We all want to protect the things that matter most to us - especially our children that we bring into this world.
So, you’re a wise parent if you start thinking about insurance...when you’re having a baby!
To help new parents, I’ve created a list:
3 Insurance Strategies When Having a Baby:
1. Level up your Health Insurance plan
With pregnancy, childbirth, and a little one at home… you can expect that you’ll need more medical attention, doctor visits, test, and coverage than ever! So, level up your plan.
If you have a minimum coverage plan or bronze level plan, you’re likely going to have to pay a multi-thousand dollar deductible right away!
Being pregnant and having a baby creates a special eligibility period, so it’s time to enroll in a $0 deductible Gold or Platinum level plan. Also, make sure that you have the right plan to see the right doctors and medical facilities for your baby.
When you get pregnant… you have a special eligibility period and you can now choose a new health insurance plan!
2. Increase the liability coverage on your Auto Insurance
When you have a baby, you grow up fast! It’s time to have “adult level” liability coverage on your car insurance.
Increase your liability coverage to 100/300 at minimum or up to 250/500 is ideal! It won’t cost nearly as much as you fear either. It’s time to be covered from huge financial liabilities now that you have to provide and protect a child.
The goal is that you’re not financially ruined if you have a car accident.
You can protect your baby…by protecting their financial future.
3. Apply for your own Life Insurance policy
If you didn’t have life insurance before… will now you have the greatest reason in the world to get one!
Protect your child, your family, and your assets, if you unexpectedly pass away. If you walk out of life, make sure you have a huge amount of money to walk into the life of your loved ones.
Your strategy is to have 10x your annual income in life insurance.
Get quotes in 2 minutes and complete an application in 20 mins today!
Do it today.
Life insurance is more affordable now… then later when you’re older!
Next Steps:
Contact your Insurance Broker.
Adjust your insurance coverage for the new baby!
Build confidence for your future!
At Apple Insurance Solutions,
We all want to protect what matters most to us in life,
but finding the right insurance can be confusing.
So I make it simple.
As Your Insurance Broker,
All your insurance is covered in one relationship,
saving you time and
building confidence for your future.
If this was helpful to you, please:
“Like and Share” this post
Follow me on social media (@appleinsurancesolutions)
Contact me at peter@appleinsurancesolutions.com
Also, keep in mind, that as Your Insurance Broker,
I offer insurance for auto, home, life, health, medicare, umbrella and business… when you work with me, all your insurance needs... are in one relationship.
Thank you for reading HOW TO INSURANCE
Helping YOU understand insurance,
building CONFIDENCE for your future!
PETER D JOHNSEN
Insurance Broker | Apple Insurance Solutions
360.818.4865 OR/WA 818.620.8171 CA
Auto | Home | Life | Health | Medicare | Umbrella
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