Life insurance

Hey all, looking at life insurance options now that I am expecting and wondering if anyone has any advice. It seems like a bit of a mindfield!

Read more on Peanut

The views expressed in community are solely the opinions of participants, and do not reflect those of Peanut.

Learn more about our guidelines.
Add a comment
Avatar

i’ve been using Polly and my partner uses the partner company Tom! easy process and some good perks with it too!

Avatar

Oh have never heard of Tom! Good to know thankyou!

Avatar

Following! It might be good for people to specify what country they are in? I imagine Insurance laws and policies can be quite specific

Avatar

Yes sorry! I am in England

Avatar

UK. I have life insurance with smart insurance. The pros are: whole life cover (it doesn't end if you're still alive after a certain age)
Cons: the monthly cost goes up as you get older (cos obviously your more likely to die 🤣).
A lot of life insurance companies that offer the same monthly cost will end around 80 years old. Meaning if you live past 80 they don't pay anything out when you do eventually die.... People are living longer now so that's definitely something to think about when looking for life insurance. X

Avatar

Are you UK based? My husband is a protection broker if you would like to discuss your options?

Avatar

Definitely get critical care cover so if you get something like cancer that means you cannot work for a while, your insurer will pay expenses to cover living costs.

I’ve had life insurance since I was 25, it’s just peace of mind that if I died tomorrow the family can keep the roof over their heads and worry about one less thing.

Read more on Peanut

Trending

in our community

What do we do? Contraception or Vasectomy

My husband and I are at a bit of a standstill and not sure how to go forward.

Currently we have 2 children and we're both very much in agreement we want no more.

Not only would it put strain on us financially, our house isn't big enough, our car isn't big enough, and my health hasn't been great throughout both pregnancies. I've also had complications postpartum that require physio and (temporarily) strong pain medication.

I had been on contraception (pill) previously and absolutely hated it the whole time. It made me feel so ill and has cemented my desire not to be on any sort of contraception that will mess with my hormones or my period, make me feel unwell or require me to take daily like the pill because I already have so much to do and remember! I also just don't like the idea of anything being inside me, like the coil for example. I know it can be a great option for a lot of women, but personally I just don't want it.

I've asked if my husband would consider getting a vasectomy, but I am be no means pushing this on him. I have reassured him every time we have these conversations that he makes the decision for his own body and if its not something he's comfortable doing then I won't make him feel bad for that, he has every right to say no. And he pretty much has tbh.

He is a bit of a hypochondriac and the thought of having this medical procedure sent him into a bit of a spiral. He has spent a lot of time reading 'horror stories' online. I asked what those were and he said something along the lines of "there's a slim chance I could end up with chronic pain down there permanently if something goes wrong" I couldn't help but be a bit annoyed as I'm currently dealing with chronic pain down there from giving birth to our children and having to take medication and do physio for it! I'm not trying to complain but it just feels like I've happily accepted that risk (and many others that come with bearing children!) And he isn't happy to take any risk at all, even though they are much smaller risks.

And of course I do not want him to end up with pain like me. If I knew that was going to happen I'd tell him absolutely not to do it. But it's just one of those things where there's always a small risk of something going wrong but most of the time it is fine and affective.

I just feel like it is landing on me to make the decision whether or not I go on contraception or we risk an unwanted pregnancy. I do not want to make that choice, it feels unfair.. it feels like I have gone through so much already physically, hormonally, physiologically, mentally, I just don't understand why he can't just do this for me and for us..

These are inside thoughts mostly as I do not want to guilt him into doing it, I want him to decide for himself and feel comfortable with the decision, but each time we talk about it, it seems less and less likely that he will go ahead with it.

I am currently 3 months postpartum and we have not had sex yet. I have told him I don't feel comfortable and I'm a little scared to with just a condom honestly, it doesn't feel like enough protection. I track my cycle well but I don't trust that fully. Maybe I'm being unreasonable about it all I don't know.

The thing is I know for a fact if we did end up accidentally getting pregnant again there wouldn't be much of an option for me but to have an abortion, but that isn't something I could ever do, I know it would wreck me. I just feel torn and sad about it all. I miss us being intimate but it feels like this massive weight on my shoulders now and I just don't want to..

Avatar

18

Claim child support or not?

My baby’s father abandoned us during my pregnancy. He has been asking if I will claim child maintenance. In my head, I’ve been thinking, 'Of course. That money is for the baby we planned, so I would not want to take that support away from her.'

BUT I’ve seen posts everywhere saying that a father is more likely to come back into your life and go to court to claim parental rights if you ask for child support. He has been hot and cold, emotionally abusive, and in and out of our lives.

I don’t want to deprive my child of a relationship with her father, but I need that relationship to be child-focused and consistent, not about punishing me. So, do I claim child maintenance or not?

Avatar

3

7 week pp check up / Birth Control

I just had my postpartum checkup, and my obgyn checked my C-section incision, asked me a few questions about my mood, and asked if I wanted to start birth control. My obgyn said I’m cleared.

Did any other C-section mamas have a similar experience, or did your doctor also do a pelvic exam?

Also, I'm trying to decide on birth control. Has anyone used the patch? I'd love to hear your experiences or recommendations!

Avatar

7

Father’s Day gift!!!

Hello quick question let’s say you bought your partner gift that was over $200. You present him with a gift and he says this is not what I wanted but I guess I’ll keep it. Would you return it or let him keep it mind you for Father’s Day you ordered him some cupcakes. She got him some coffee and you cooked him a crab dinner and he still says that’s not enough.

Avatar

1

16

Life insurance

Hey all, looking at life insurance options now that I am expecting and wondering if anyone has any advice. It seems like a bit of a mindfield!

Avatar

7

Dasher

Has anyone done door dash for extra money and is it worth it?

Avatar

5

Read more on Peanut