Code of Ethics
Code of Ethics for Growing Family Benefits
The code of ethics for Growing Family Benefits is best summarized in scripture: "Speaking the truth in love" Eph 4:15. Growing families face a variety of financial pressures. Their choices can impact them for the rest of their lives. Families can't always get the coverage they want. Things don't always go as planned. Consequences can be devastating.
Code of Ethics - Speaking the Truth
Speaking the truth is paramount. Doing otherwise invites trouble for our customers. A growing family has profound insurance and finance needs. They are planning to consume significant health care resources. Insurers want to collect more in premium than they pay in benefits.
The two forces are at loggerheads with one another. We strive to write honestly about several key issues facing growing families.
Infertility insurance is hard to find because couples looking for coverage already know they need it. Insurers only provide coverage when forced to by law. We explain how to get coverage, how to control costs if you can't, and how to protect your family from resulting high risk pregnancies.
Maternity insurance is also hard to find. Couples looking for coverage plan to use the benefit. State regulations sometimes compel coverage. We explain the state laws, holes in individual coverage, and highlight ways to fill important gaps.
Maternity leave laws are lacking. Federal and state regulations provide unpaid leave for some. We provide the facts to help you find if you are one of the lucky few that can keep her job after having her baby.
Pregnancy is a pre-existing condition. Private insurers won't cover a woman who is already pregnant, except when compelled by law. We explain why, and what to do. A woman looking for coverage must begin her policy before getting pregnant.
Short term disability for pregnancy is not sold directly to individuals. Your employer must offer the option as a voluntary employee benefit. We show you how to get your employer to offer maternity leave benefit options.
Pregnancy is a high risk medical event. Customers often comment "I'm not planning on anything going wrong". This simply is not realistic. We describe in detail what can and does happen to many couples, and provide insurance solutions to help mitigate the financial risk.
Code of Ethics - In Love
We have learned through experience that people don't want to hear the truth. When we write the truth in plain English nobody will read it. People will quickly surf to another site that perhaps promises to give them want they want to hear.
For a growing family the consequences can be devastating. Timing is often critical. Insurance policies are all designed to protect against future unplanned events.
If a family planning to start a family comes to our website, finds the truth plainly written, and surfs away never to return or find the coverage they sorely need, they we haven't done our job. There is a delicate balance that is not easy to find.
We have found it very easy to get women to fill out quote forms for disability insurance that covers pregnancy. Even though we plainly explain that coverage must begin before getting pregnant, and that coverage is only available through employers, we found that vast majority of women either ignored or never read these two important disclaimers. False hope was allowed.
We strike the balance by using terms associated with what people search for, and explain in the context of these terms the truth of the matter. It's not an exact science, but we track and measure everything that is done to serve our customers to the best of our ability. People are asked to verify key truths before we accept a web form submission.