Can I get life insurance while pregnant?

Yes, it's possible to get life insurance while you're pregnant. You should even be able to access competitive rates if you don't have certain pregnancy complications (or a history of them). Waiting to get life insurance until after pregnancy might lead to better rates in some circumstances, but in general, the sooner you apply for life insurance the better. And if you already have life insurance, there are some riders you might add to your policy when you're pregnant or planning to grow your family.

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Why should I have life insurance while pregnant?

Buying life insurance while pregnant offers your growing family financial support in case you pass away. If you were to die during or soon after your pregnancy, having your closest family members as your life insurance beneficiaries can help them with your end-of-life expenses and even replace the loss of your income while they're grieving.

When is the best time to buy life insurance while pregnant?

If you begin the life insurance buying process before pregnancy or during the first trimester, you may be more likely to secure better rates and get coverage in case complications develop later in your pregnancy.

Will a high-risk pregnancy impact my insurance rate?

If you already have a life insurance policy, your premium won't increase because of a high-risk pregnancy. However, if you're getting a new policy and 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.

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. For the best rate, consider adding a life insurance policy in your first trimester or before you're expecting. However, if you develop gestational diabetes before getting life insurance, waiting until after pregnancy when it's likely to resolve can help you secure a lower rate.

Pro tip:

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.

Choosing a death benefit when buying life insurance for pregnant women

When deciding how much life insurance to get, understand the potential financial needs your family would have if you weren't here. If you work, how would the loss of your income affect your family? If you're a stay-at-home parent, what's the cost of childcare and household tasks? How long do you want to support your family financially after you've passed? Other expenses to consider include:

  • Your children's education costs
  • Your funeral and other end-of-life expenses
  • Your outstanding debt

Pregnancy insurance riders you can add to an existing life policy

There's technically not a "pregnancy insurance rider," but there are spouse and child riders that can provide you with support in case your closest loved ones pass away. If you already have life insurance, it may be possible to add one of these life insurance riders to your policy while you're pregnant. However, some insurers may require you to have added the rider when you purchased the policy.

A child rider can be added to your policy to provide you with a small death benefit in case your child dies while they're covered by the rider, typically until they're 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.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.