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Three Things a Lot of Parents Overlook When Planning the Arrival of a Baby

When I was told there may be a problem with my pregnancy, I was devastated. Learning to cope with uncertain medical news isn't easy.


When expecting a new addition to the family, most parents-to-be think of the most obvious and immediate needs of a baby; the pram, cot, clothes along with the many other things that demanding little bundle requires. However, many forget about the things people can’t see, but which can turn out to be the most important factors to arrange before their baby arrives.

By organising the following, you could save yourselves a lot of stress and heartache further down the line.

Life Insurance

Nobody likes to think about death, but with a little life depending on you this is a vital policy to arrange.

What would happen to them if you died unexpectedly? Or if you were diagnosed with a condition that didn’t allow you to work?

Life insurance is probably a lot more affordable than you think. At present, my partner and I have decreasing term life insurance that will pay off the remainder of our mortgage if one of us dies. For both of us, this is less than £15 ($19) each month. Not having the monthly mortgage payment would leave the remaining parent a lot more capable of providing for our children on their own.

A slightly more expensive option is level-term life insurance cover. This will pay out a guaranteed sum of money, however much you owe on your mortgage (though make sure the payment covers this amount). A little bit extra may give you peace of mind that any other debts can be paid off or will give your family breathing room for a few months whilst they adjust.

Some insurance companies or baby clubs will give you a small amount of life insurance cover for a limited time period if you a new or expectant parent. I know that in the UK, Tesco’s parenting club and Aviva Life Insurance both offer £15,000 life cover for a period of one year to new and expectant parents. This may be useful whilst one parent is on maternity or paternity leave and you are unable to afford the additional insurance you would like.

Whatever you decide to do, make sure you have some level of cover before your baby arrives. You never know what is around the corner and it will be a huge help to your loved ones if the worst should happen.


Well, this is turning out to be the sort of exciting read you were expecting when searching for advice on planning for your baby, isn’t it? But let’s get serious: just like life insurance, you need to consider those you may leave behind.

A will is even more important if you and your partner are not married. Under UK law, your partner is not automatically entitled to inherit the house, your money or any of your other assets.

Whether you’re married or not, a lack of a will could cause a rift amongst your family. And leave them open to inheritance tax that may have been avoidable.

Wills can be easy to arrange nowadays, with companies being able to organise a simple will over the internet or the phone. You can even order a do-it-yourself will!

However, if you can afford it, look into getting your will written professionally as the advice you receive could be worth the extra money, and your solicitor could remind you of things to include that you may otherwise have forgotten about.


Money may not necessarily make you happier, but it sure does make life easier.

If you are planning to take parental leave, make sure you plan in advance how you are going to continue paying the bills and afford the increase in the cost of living with the extra family member.

The earlier you plan this, the easier it is.

Some people live on one person’s salary for the duration of the pregnancy so they can prove it’s possible, but they have substantial savings in the bank to fall back on. This is a great idea.

If you can’t do this, work out how much money you will need to live on each month you’re not working and save the total of this up. Try not to include any parental pay you may receive from your employer or the state; this money will be a bonus when the time comes and a comfort blanket if you have slightly miscalculated.

You may also want to set other money-making strategies in place for your parental leave; either some passive income streams, or more active income streams such as freelancing or taking online surveys.

As exciting as becoming a parent is, you need to also realise that a child will bring a great responsibility for you to bear. By organising the three things above you are ensuring your child will be well looked after even if you are unable to be there for them.

This content is accurate and true to the best of the author’s knowledge and does not substitute for diagnosis, prognosis, treatment, prescription, and/or dietary advice from a licensed health professional. Drugs, supplements, and natural remedies may have dangerous side effects. If pregnant or nursing, consult with a qualified provider on an individual basis. Seek immediate help if you are experiencing a medical emergency.