You are here  Easy Money: The Best Life Insurance Policy  With
feedings, changings, and sneaking in shut-eye, preparing for
"what-ifs" is probably low on your family's to-do list. Here's
how to simplify finding life insurance:  When to get it  Apply
early in your pregnancy or shortly after delivering. Most
companies won't consider you within 60 days of your due date
because of potential risks-your first postpartum checkup is
usually a good time to qualify. In many cases, the insurance
company will send someone to your home to conduct a physical;
after that, it often takes one to three months before your
policy takes effect.  What's available   Why you both need it
...if you work  Your partner wouldn't have your wages to help
cover the costs of raising a child should something happen to
you, and his taxes might also be higher because he couldn't file
jointly. Plus, smaller savings could make paying off a mortgage
and retiring hard for him. And employer- provided life insurance
usually isn't enough, says Brian