Taking the next step while you are in the midst of your pregnancy to obtain a life insurance plan Beverly hills  is an excellent decision. There are only great benefits that can come out of this type of coverage, but if you are a new comer to it there can be tons of questions you are wondering about. ARG and Associates, a licensed and experienced affordable life insurance agency is here to answer some very common questions that expecting mothers may have.

Commonly FAQS

 

1. When I obtain life insurance, what should be expected of me as far as payment? For this question, there are different answers, depending on how old you are and how your health currently is. If you are a healthy women and in between the ages of 28-35 for example, you may be able to get a higher paid coverage them someone younger or older, with a lot of medical issues. And, since you are at a good age and have good health, then your daily cost of life insurance should not be expensive and one that you can afford. Also, if you are married or currently have a partner and plan to combine you and your spouse’s life insurance plans, you can get a much bigger amount of coverage when combined. For example, if you and your spouse/partner both are at a good age and contain good health, then you both could be paying $25 a month all together.

 

1. If I currently work for a company that offers their employees life insurance coverage, is that enough for me? There are different opinions to this question, but this is what ARG and Associates thinks: Since you will be placed in a group insurance because of your other employees wanting this too, it can be a benefit but only for a certain period of time. The problem with work insurances is that they deduct it from your paycheck, and often times can be more expensive then the salary you receive. Also, it is something that you cannot rely on for a long time, and think about what would happen if you left your job or if that insurance was taken away from you. If you decide to leave your job, your life insurance gets taken away. By having your own plan from an insurance agent, you do not have to worry about every losing that coverage. Plus, it will be cheaper.

 

1. If I am a stay-at-home-mom, do I need to consider a different coverage plan than if I am working? Great question. Both situations should each have the same amount of protection. This is because they do not want to risk anything happening to them. Stay-at-home mothers do not work for a company, therefore they do not get special coverage from their employer. If an incident were to happen to a mother who does not work, the costs and expenses would be very tough to replace. This will at least ensure the family in both situations safety and security.

 

1. I am pregnant- Do I have any restrictions because of this? There should be no problem for you to receive life insurance if you are at the early stages of pregnancy. Also, if you have no medical problems and you are at good health you should have the O.K. But, one thing you should know is that if you are in the middle of your pregnancy stage and you are unfortunately experiencing medical complications, there may be some problems taken into factor regarding life insurance. It depends on the insurance company you are working with, but there may be a possibility that they will tell you to wait until you have your baby. This is why ARG and Associates highly encourages expecting mothers to get this coverage as early as possible.

 

There are many other questions that come into the mind of a mother-to-be. While this is a beautiful time in a mothers life, it is also an important time to consider life insurance plans Beverly Hills. ARG and Associates has over 40 years of experience with this coverage. We will be there to assist you and answer all of your questions. Call our affordable life insurance agency today for a free consultation!