Life Insurance
Isn't this always a depressing topic when really everyone going through surrogacy wants to remain positive.....then Life Insurance is tossed in the mix. Who wants to think that someone, especially a wife and mother who is volunteering her body to carry for another couple, has to put a price on her life. BUT it is necessary. I believe that a life insurance policy is a mental and emotional necessity. Every woman worries about her own family and even if she is a stay at home mother with zero income her contribution to her family is invaluable. If anything should happen to her then certain practical issues will come about (not to mention all of the mental and emotional trauma that will be happening to everyone left behind!)
For Stay at Home Moms the common life insurance policy that is recommended is for $200,000-$250,000. A term policy may be less then $300.00 per year. Not so much for a piece of mind. What is taken into consideration regarding the amount are some of the following issues (and some are the same concerns that a Doctor would have of anyone going through the IVF process):
Does she smoke?
What is her BMI? (Body Mass Index)
Does she work in a hazardous environment?
Does she drink?
Does she take recreational drugs?
Does she have any dangerous hobbies? (sky diving?)
If the surrogate is a working/career woman, often her work offers a Life Insurance policy. She may not be taking advantage of it but she can contact her work place and see what is available and the Intended Parents can reimburse her for the yearly cost. Note that all Life Insurance companies require that the person being covered is the one who pays for the policy so the surrogate will always have to be reimbursed for any policy that is purchased, The Intended Parents can not go out and buy one for her on their own.
Sharon
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