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Get Insurance Before a Birth
Tuesday, March 27, 2007provided by
If you're a woman thinking of starting a family, think about buying life insurance before you even get a positive pregnancy test.
Life insurers like to see a clean bill of health as part of an application. But between 6.5% and 12.9% of women experience minor or major depression at a particular point in time during the first year after having a baby, according to a 2005 survey published by the federal Agency for Healthcare Research and Quality, which looked at the other existing research.
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This infuriates new moms, who wonder why they're being penalized for proactively improving their mental health while depressed women who go undiagnosed get preferred rates. Playing logician with the insurance company won't get you very far though.
Simply avoid the issue altogether by shopping for life insurance before you attempt to conceive, and get a policy where the premium is guaranteed to stay the same.
If you're already caught up in this issue, enlist your therapist's help in sending a written request for a better deal, especially if your treatment is complete. Many insurers will consider appeals.
Note that lying on an insurance application is a bad idea. In the event of your untimely death, the insurer could launch an inquiry and revoke your policy.
Write to Ron Lieber at ron.lieber@wsj.com
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