Insurpedia Field GuidePlain-English · Life-Event Lessons

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Beginner3 modules16 items~43 minFinal assessment

New Parent Course

Who it’s for: Expecting and new parents, through birth or adoption, whether it's your first child or your third.

Work through the modules in any order. Each lesson, term, and scenario counts once you’ve actually read it, and the course is complete when everything is done and you pass the final assessment.

What you’ll be able to do

You know the deadlines that matter after a birth, how to protect your family's income, and how to set up beneficiaries so the money reaches your children.

Key numbers

Module 14 items · ~11 min

Health coverage for the baby

How pregnancy and childbirth are covered, and how to add your baby to a plan before the deadline.

  1. LessonPregnancy and Health Insurance: What's Covered and When You Can Enroll~3 min
  2. LessonAdding a Newborn to Health Insurance: Deadlines and How Coverage Starts~3 min
  3. TermSpecial Enrollment Period~3 min
  4. TermEssential Health Benefits~2 min

Module 29 items · ~24 min

Protecting your family

How much life insurance new parents need, insuring a stay-at-home parent or a child, and naming children as beneficiaries.

  1. LessonHow Much Life Insurance Do New Parents Need?~3 min
  2. LessonDoes a Stay-at-Home Parent Need Life Insurance?~3 min
  3. LessonShould You Buy Life Insurance for Your Baby or Child?~3 min
  4. LessonNaming Your Children as Life Insurance Beneficiaries: What to Know~3 min
  5. TermTerm Life Insurance~2 min
  6. TermChildren's Term Rider~2 min
  7. TermTerm Life Conversion~2 min
  8. TermBeneficiary~3 min
  9. TermDisability Insurance~3 min

Module 33 items · ~8 min

Everything else to update

A checklist of the insurance changes around a birth or adoption, in deadline order.

  1. LessonInsurance Checklist for a New Baby: What to Update and When~3 min
  2. TermRenters Insurance~2 min
  3. ScenarioDoes Life Insurance Go Through Probate?~3 min

Final assessment

6 questions across the whole course. Score 70% or more, with every module item done, to complete the course. Retake it as often as you like: each retake gives you new versions of the questions you’ve seen, and getting those right raises your Insurance IQ.

Take the assessment →

Your insurance checklist

  • Before the birth, check your doctor, hospital and its specialists are in network.
  • Add your baby to your health plan within its deadline (at least 30 days for job-based plans, 60 on the Marketplace).
  • Price term life insurance for both parents, including a stay-at-home parent.
  • Update beneficiaries on all your policies so all your children are included.
  • Check how your income would be replaced if you couldn't work.

Questions to ask your insurer

  1. How long do I have to add my baby to my health plan, and what documents do you need?
  2. Are my hospital and its specialists in network for the delivery?
  3. What would life insurance cost for each of us, for a 20- or 30-year term?
  4. Is the term policy convertible, and until when?
  5. Do you offer a children's rider, and what does it cost?
  6. How do you pay benefits to a minor beneficiary?
  7. Does my disability coverage replace enough of my income?

Where to go next

Educational information, not advice: This course is general education, not legal, financial, or insurance advice. Coverage depends on your policy’s wording, your insurer, and the laws of your state. Insurpedia does not sell insurance and does not recommend specific insurers.