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Starting a Family

Starting a Family can create needs to update your insurance and investments for your family's future.

Starting a family brings a lot of changes.

Suddenly you’re completely responsible for someone else. The decisions you make today are going to have a significant impact on this wonderful new person in your life. That’s why it makes sense now more than ever to meet with a COUNTRY Financial® representative to get a tangible plan External Link – one that helps ensure a financially secure future for your new bundle of joy.

As a new parent, chances are you have a lot on your mind so it’s easy to overlook some important aspects of your new life. Here are a few that you might want to consider:

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Insurance Considerations

  • Get Life Insurance

    Starting a family creates greater financial responsibility for parents. One of the first things to do is make sure both you and your spouse have adequate life insurance coverage. This helps ensure that your family can maintain its current lifestyle if you aren’t there. Your budget may already be tight, so consider term life insurance. COUNTRY term life insurance offers policies for 10, 20, and 30 years, and your premium is locked in based on your age when the policy is purchased.

  • Increase Your Current Life Insurance Benefit

    If you already have life insurance, review your policy with your COUNTRY representative to make sure the benefit amount can help with things like the mortgage or your child’s education if tragedy should strike.

  • Get Life Insurance for Your Child

    It’s wise to consider purchasing life insurance for your child. Depending on the child’s age when the policy is purchased, the premiums are generally low. Many parents enjoy being able to give the paid-up policy to their child as a gift later on. With the guaranteed insurability option, you’re guaranteed the right to increase the amount of the policy within specified limits, regardless of health.

  • Protect What You Have

    Your family may not be the only thing increasing in size. As your family’s assets grow, it’s important to make sure they’re protected, too. A personal umbrella policy provides extra liability protection above and beyond what’s provided under your home and auto policies.       


Financial Considerations

  • Plan Ahead for Education Expenses

    This is a great time to start saving for future education needs. Education funding is a critical part of your family’s financial security. Instead of trying to pay for a child’s education all at once, use the time you have until then to save for the expenses. COUNTRY offers a variety of education funding options, and one will likely meet your needs and situation.   

  • Prepare for the Unexpected

    With kids in the picture, it’s hard to know what’s coming next. You might need money for school pictures today and braces tomorrow. That’s why stashing away money each payday to save for unexpected expenses makes sense. Depending on your preference, you can tuck it away in a savings account, invest it in mutual funds or have it invested for you by our investment experts.      

Putting It All Together

No matter where you’re starting from, you can feel confident knowing you’ve created a plan to help you achieve your financial goals. Contact a COUNTRY representative in your neighborhood today to get started.

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Investment management, retirement, trust and planning services provided by COUNTRY Trust Bank®. Please see our Terms and Conditions for more information about COUNTRY Trust Bank® and its affiliates.

Policies issued by COUNTRY Life Insurance Company®, COUNTRY Investors Life Assurance Company®, COUNTRY Mutual Insurance Company®, COUNTRY Casualty Insurance Company®, and COUNTRY Preferred Insurance Company®, Bloomington, IL. Coverage not available in all states. Read our full disclaimer

Securities products offered through COUNTRY Capital Management Company, 1705 N. Towanda Avenue, P.O. Box 2222, Bloomington, IL. Member FINRA External Link/SIPC External Link