So this just in: did you know you can’t get life insurance during your third trimester? First trimester? GREAT! Second trimester? Probably! Third trimester? Nope. Sorry.
As an infertile, the LAST thing on my mind when I peed two lines was “I need to buy life insurance to protect this little clump of cells!” Instead I was all “OMG, this clump of cells might die and I’m going to be SAD and now I’m going to freak out for the next 27 weeks.”
Fast forward to today – we are preparing our life for baby and also preparing to apply for a mortgage and move. Life insurance is necessary for the kind of mortgage we are applying for, and for protecting the Chicken should we suddenly go up in a fiery blaze of doom. Yesterday I felt tough and only moderately hormonal so I the company that handles my retirement and requested the Professor and I start the wheels turning to get term life policies. I was giving them all my information and then they asked my weight. “Pre pregnancy or my current pregnancy weight,” I asked.
WHAM, breaks slammed on.
“I’m sorry ma’am, what trimester are you in?…. Hmmm, well, we can’t insure anyone in their third trimester, and you’ll be hard pressed to find anyone else who will.”
Not the end of the world because it looks like as long as the Professor is amply insured and I provide proof of pregnancy we should be ok on the mortgage front, but still a huge annoyance and something I really wish I had known sooner.
So here is my tip for the newly pregnant and those who will fall pregnant in the future (because I’m a gross optimist and like to believe we will ALL get to grow our own baby, pee a little when we sneeze and fart like a man): Scary as it is, start looking for life insurance before your third trimester. In fact, if we are married or in committed relationships, we might as well do it for our partners’ sake now. Right?
… You know what just occurred to me? You all might have life insurance already. Maybe I’m the straggler who thought it was a dumb waste of money when you rent your home and are infertile as all get-out so kids aren’t a real threat…. Anyone else like me? Or are you all shaking your head going, “OMG, how could she not have life insurance?”