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Financial Considerations for Expectant Parents

With a new baby coming into your life, there are many financial considerations to take into account. Here are a few things to keep in mind:

Life Insurance

  • Do I/we have life insurance?
  • How much life insurance will our family need?
  • Which kind of life insurance is best for us: universal, variable, or term?
  • How do I/we add a child as a beneficiary on existing insurance policies?

Health Insurance

  • How can I add baby to my or my partner's health insurance plan?
  • Does my current form of insurance cover prenatal care, labor, and delivery?
  • Would an HMO or PPO plan serve our needs better?


  • What is my or my partner's family leave policy at work?
  • What benefits am I entitled to under the law?
  • How long could I or my partner afford to miss work while on family leave?
  • Are there other things I/we can take advantage of at work (education assistance, on-site day care, etc.)?
  • Do our employers offer flexible spending accounts?
  • Does my employer offer a disability plan? If not, how/where can I get one?

Home and Car

  • Is my/our home large enough for a family?
  • If not, how much home can I/we afford?
  • How long will it take to save to buy a new home?
  • Is my/our home insured?
  • Do I/we need to purchase a different car to accommodate the new baby?
  • Do I/we have enough car insurance?

Spending and Saving

  • Do I have a budget for baby clothes and furnishings?
  • Can my partner and I afford to live on one income?
  • If I'm adopting, how will I/we pay for the adoption costs?
  • If we need fertility treatments, how will these be financed?
  • What are my/our child-care options?
  • How much does child care cost in my/our area?
  • How much will I/we need to save to send my child to college?
  • Do I/we have six months of living expenses set aside in case of emergency?
  • Do I/we have adequate retirement funds?
  • Do I know how to claim the new child and child-care credits on my taxes?

Personal Issues

  • Do I and/or my partner have a will?
  • Who would I/we want my/our child's legal guardians to be?