Is It Possible To Get Life Insurance When Pregnant?

Buying life insurance while pregnant can provide financial support for your loved ones in the event of your unexpected death. However, if you are pregnant and considering purchasing life insurance, there are some important factors to keep in mind.

When to Buy Life Insurance While Pregnant

If you are considering purchasing life insurance while pregnant, it is best to do so before or during the first trimester. This is because you may be more likely to secure better rates and get coverage in case complications develop later in your pregnancy.

Impact of High-Risk Pregnancy on Life Insurance Premiums

If you or your baby are at risk for health complications during pregnancy, it could increase your life insurance premium and/or delay your application process. For instance, common high-risk factors like weight gain and high blood pressure could impact your premium, though some insurers may use your pre-pregnancy weight in your application.

Consider Adding a Life Insurance Policy in Your First Trimester

For the best rate, consider adding a life insurance policy in your first trimester or before you are expecting. Waiting until after pregnancy to get life insurance may result in a higher rate if you develop gestational diabetes before getting life insurance. This condition is likely to resolve after pregnancy, so waiting until after delivery can help you secure a lower rate.

Choosing Your Beneficiary

While you might get life insurance with your child in mind, remember to consider the legal complications of naming a child as a beneficiary. Instead, you might name your partner or your children’s would-be guardians so they could use the death benefit to support your children in case something happens to you.

Adding Child and Spouse Riders to Your Policy

If you already have life insurance, it may be possible to add child and spouse riders to your policy while you are pregnant. A child rider can provide you with a small death benefit in case your child dies while they are covered by the rider, typically until they are 26. A spouse rider works the same way, providing you with a death benefit if your spouse were to pass away. Both riders are typically less expensive than purchasing standalone policies.


Buying life insurance while pregnant is possible, but there are some important factors to keep in mind. It is best to purchase life insurance before or during the first trimester, and high-risk factors during pregnancy can impact your premium. Consider adding a life insurance policy in your first trimester and choose your beneficiary carefully. Adding child and spouse riders to your policy can also provide additional support for your loved ones.

Burial Insurance Rates
We Sell Burial Insurance
  Cash Payout On Death
  Cash Value (Savings) While Living
...Without The Hassle
 NO Waiting Period
  NO Medical Exam
  NO Expiration
 NO Rate Increases