Samantha was overjoyed when she learned she was pregnant, but as a working couple, she and her husband debated whether to invest in insurance for their baby. Some advised them against it, saying it was a waste of money, as the medical plan had a waiting period and did not cover certain pregnancy-related medical costs. They followed this non-professional advice and did not seek guidance from a professional insurance agent.

Unfortunately, Samantha's happiness turned to disappointment when her baby was born with serious jaundice and pneumonia. Not only did they have to pay for the costly medical treatment, but they also struggled to obtain insurance coverage for their newborn. Several insurance companies rejected their application, stating they had to wait until the baby turned 5 years old.