Life Insurance for Pregnant Women

Buy life insurance for pregnant women during the first trimester or before conceiving. Otherwise, an underwriter may postpone your application. Anticipate higher life insurance quotes for pregnant women than for non-pregnant women. Gestational diabetes, weight gain, and elevated cholesterol levels that occur during pregnancy affect your premiums. Apply four to eight weeks after giving birth to give your body enough time to recuperate from any pregnancy-related health conditions.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Buy life insurance for pregnant women during the first trimester or before conceiving
  • Applying after the first trimester could lead to a postponed application
  • Weight gain and pregnancy complications impact life insurance rates for pregnant women

Truthfully, the best time to buy life insurance for pregnant women is before conceiving, even from the best insurance companies. However, you can still secure traditional life insurance during your first trimester.

Below, discover your coverage options and learn what to expect when you’re expecting and need life insurance.

Compare life insurance quotes for pregnant women by entering your ZIP code into our free rate comparison tool above.

How does pregnancy impact life insurance?

The average cost of life insurance is about $26 per month. However, expect higher life insurance rates for pregnant women than for non-pregnant women.

Companies evaluate pregnancy on a case-by-case basis. An underwriter analyzes your medical record and current health status to calculate your quote.

Weight gain and other pregnancy complications may impact your premiums.

According to the Centers for Disease Control and Prevention (CDC), pregnancy-related deaths in America rose from 7.2 deaths per 100,000 live births in 1987 to 17.3 as of 2017. However, many of those deaths are preventable.

In truth, your best option for affordable life insurance for pregnant women is to apply for life insurance when you’re not pregnant.

Otherwise, apply during your first trimester. If you apply later on, the underwriter might postpone your application, leaving you unprotected during the birthing process.

The following pregnancy complications also impact your life insurance premiums:

  • Pregnancy over the age of 45
  • Previous pregnancy complications
  • Gestational diabetes
  • Postpartum depression
  • Elevated cholesterol
  • Pre-eclampsia
  • Triplets

Providers calculate rates using very different formulas. One provider might care about weight gain, while another may allow you to use your pre-pregnancy weight on your application.

To find the best life insurance company for pregnant women near you, compare multiple providers’ rates online.

Do not lie about your pregnancy on your application. Not only is this insurance fraud, but the provider will find out during the underwriting process.

Your beneficiary’s claim could also be denied if you were to pass away.

If you already have life insurance but become pregnant, you do not need to inform your provider.

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What are the best life insurance policy options for pregnant women?

If you buy pregnancy insurance during your first trimester or before conceiving, you can qualify for traditional whole or term life insurance.

Traditionally, term life insurance lasts 10, 20, or 30 years. If you renew the policy, your rates are adjusted to reflect changes in your age and health.

Whole life insurance lasts for your lifetime as long as you make the premium payments on time but can be more expensive.

Invest in enough coverage to protect your child with the same level of financial security they would’ve had until adulthood if you were still alive.

If you make $50,000 per year and your child is a newborn, purchase a $900,000 death benefit.

Look for a policy with a child insurance rider. For a small fee, your child receives coverage to assist with funeral costs should a tragedy occur. You might also consider adding disability and spousal riders.

Those already pregnant should apply during their first trimester. Otherwise, the company might postpone your application until after you give birth.

After pregnancy, wait four to eight weeks before submitting a life insurance application. This is enough time to heal from any potential complications, including blood pressure or cholesterol issues.

Finally, consider naming your spouse or a trusted adult as the beneficiary. Naming a minor could leave your family with unnecessary legal fees and tie up the funds for years.

A court must put the money in a trust under the control of a court-appointed legal guardian. The guardian holds onto the funds until your child reaches adulthood.

An adult beneficiary, on the other hand, can access the money immediately.

Consider creating a trust or Uniform Transfers to Minors Act (UTMA) account with the help of a lawyer or financial planner.

Life Insurance for Pregnant Women: The Bottom Line

Depending on your overall health and how far along you are, life insurance for pregnancy can be challenging.

However, applying during your first trimester or after you’ve given birth can lead to affordable rates.

Discover the best life insurance company for pregnant women near you by entering your ZIP code into our free quote tool below.

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