Can I buy life insurance for my child before they are born?

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Asked August 13, 2012

1 Answer


Life insurance, by its very nature, cannot be purchased for a life that does not yet exist. Even though an unborn fetus may be a living being, it takes sustenance from the mother and is not considered by insurance companies to be a unique and insurable risk.

For the woman who is planning to start a family, life insurance should be a critical concern before she gets pregnant. Because pregnancy introduces a high level or mortal risk, it may be difficult to get a life insurance policy after the pregnancy begins and before the child is born. Having a policy in place will provide ample coverage for the mother and her unborn child, and avoid the complications and exclusions that insurance companies may impose.

Once your child has been born, you can buy a life insurance policy for him or her. In fact, purchasing a permanent life insurance policy on an infant or child is the most cost-effective way to get life insurance because of the life expectancy of the child and the number of years the insurance company can realistically expect to collect premiums. Furthermore, getting a life insurance policy on children can make it possible to have insurance in place before conditions develop that might mean coverage denial later. For example, if your child has a permanent policy in place and then develops asthma or diabetes, the insurance company cannot cancel the policy, but if you try to get a policy after the condition exists, coverage may be denied. This is why insurance advisors recommend purchasing life insurance for your kids as soon as you can, because doing so has many advantages and bypasses exclusions that could later be used against you and the child.

Answered August 13, 2012 by Anonymous

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