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What's a tired mom-to-be to do? Buy a Snoozer Pillow

Often, people do not want to think about insurance of any kind, believing that planning for disaster brings on disaster. I believe that planning for disaster can decrease some disasters, because once the plans are in place you'll be under less stress. And when it doesn't help prevent problems, at least it makes dealing with the problems less stressful than is could be. Whether you have insurance or not, you need to review your policies and adjust them to provide for baby.

Health Insurance
Make sure that your health insurance is adequate, not just for pregnancy, but for the changes ahead. You will be taking your little one to the doctor. He will need medications from time to time. Plus, as someone's Mommy, you'll need to take serious care of your own health, too. So does Daddy! That baby needs you, so make sure that you have adequate health coverage.

Life Insurance
Both parents should have life insurance. Take a realistic look at your finances, the mortgage on your home, car payments, credit card debt, living expenses, savings plan, and figure out how much you need to live should something happen to either you or your partner. Obviously, you do not want your child to suffer financially after suffering the devastating emotional loss which comes with the death of a parent. You need to purchase life insurance...not just some, but enough. A licensed insurance agent or broker can help you determine how much insurance you need. Note: the earlier you buy into life insurance, the lower your premiums.

Whole life? Term? Couples in the childbearing years are usually advised to purchase whole life insurance. Some consider purchasing term policies in addition to their whole life policies, with the term of time being while their children are under 18 or graduated from high school.

Long Term Disability
Most people assume that their employer or the government will provide for them if they become disabled for a long period of time. This is not always the case. Even when disability assistance is available, it often doesn't support a family's pre-disability lifestyle, sometimes depleting savings and forcing drastic life changes.

You can purchase Long Term Disability Insurance which will help offset the financial damage of long term work loss due to accident or illness.

Insurance is not a luxury. It's something you can't afford to be without. Talk to your Human Resources department at work to see if your employer has a program to purchase insurance at reduced group rates. Or, consult your home and auto carrier to see if they offer life insurance.

Part of being a great parent is preparing for hard times. Your baby deserves to live as stress-free a life as possible. One of the ways to ensure this is to insure yourselves.