How can my husband open a life insurance policy

You can get both separately. Life insurance covers more compared to medical insurance. It is a good idea to have both insurance.

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There r many different kinds of life insurance policies & you'd never buy one with a health insurance policy or from the same person that does ur car insurance.

I am providing u a link to my site that will give u information about life insurance (since there is more than will fit in this forumn). Within the FAQs u can check out my blog which has plenty of useful information about types of policies & applying for coverage. Also, u will see a link for term life insurance quotes. This will allow u to get prices for life insurance policies from ~150 different companies so u can get insurance prices prior to contacting a broker. That way u can be sure you're getting a good deal. The information & quotes is provided for ur information & is available without divulging personal information.

And notice I said 'broker.' You want a broker that sells many plans & NOT an agent for one company. Oddly enough a New York Life Agent (no offense to them) is going to show u a New York Life policy. A broker can show u that same policy & hundreds of others. And, that NYL policy will cost the same to u from the agent or the broker.

http://insurancepickle.com/life-insurance/life-faqs.shtml

Hope that helps.

(community guidelines state:''it is OK to accompany a good, on-topic answer with a link to ur website, blog, or email to offer more information.'')

See an insurance agent. Life insurance is completely separate from medical insurance.

You talk to a local life insurance agent, & fill out applications & get quotes.

Be sure to set firm goals - do u want the polciy to still be in force 40 years from now?? What exactly do u want the polciy to accomplish for you?

Then, the agent will help u balance cost vs coverage. Keep in mind, they r predisposed towards selling whole or universal life, as the commissions r MUCH MUCH higher for the agent. But if u only want it until the baby is grown, a 20 year term policy is MUCH better.

REMEMBER - life insurance is NOT an investment product. It is not a good savings tool, it is not an effecient retirement planning tool, & it is a rotten return on ur dollar, unless u die.

You can buy a separate life insurance policy on ur own, in addition to requesting life insurance from ur employer, if they offer it.

To get ur own life insurance policy u can contact a local life insurance agent, or visit a life insurance quote service to request free life insurance quote comparisons online from several insurers. You can learn about term life insurance at http://term-life-online.com

Term life insurance offers u temporary life insurance for 1-30 years. It costs much less than permanent life insurance, because it is temporary, & builds no cash value within the policy.

Many young families choose 10, 20, or 30 year level term life insurance because it offers the most coverage at the lowest cost.

Level term life insurance provides coverage & premiums that remain the same each year for up to 30 years.

If u want, u can request life insurance from ur employer, but u may have to pay for it, & if u leave ur company, or get laid off, the group term life insurance plan ends. You may be able to convert it to a permanent life insurance plan, but it would cost u a lot more. And, if u waited until later to get ur own life insurance policy, u may not be able to qualify for coverage if u develop a health condition.

You may want to consider a term life insurance policy for u & ur husband. Imagine what it would cost to replace everything u do for ur family, & will be doing for ur growing family once u have a child.

Bets of luck to u & ur husband. And, Congratulations!!!