Can You Get Life Insurance While Pregnant?
Updated: Oct 10
Can You Get Life Insurance While Pregnant? The main concern of most pregnant women, or those who are interested in getting insurance for their pregnant wife, is the basic question, can I qualify for life insurance at this stage in my life? The short answer is yes, but the underwriting process while pregnant can be slightly more complicated (see below). The first thing to do is to disclose your pregnancy during the application process. Medical exams for traditional life insurance include blood and urine tests, but not pregnancy tests. If its not obvious that youre pregnant, its important to disclose this information to the professional performing the medical exam. (If theres a possibility that youre pregnant but you arent sure, its a good idea to take an at-home pregnancy test beforehand. The reason for this is that the information you provide on your application must be 100% accurate in order to ensure a smooth payout of the death benefit to the beneficiaries.)
Applying for Life Insurance While Pregnant If you want to get life insurance during your pregnancy, the best time to get it is during the first trimester. The reasons for this include:
During the first trimester, youre less likely to have pregnancy-related complications (like gestational diabetes or high blood pressure)
You are less likely to have gained a lot of weight, a factor that determines your monthly premiums
Is Life Insurance More Expensive When Pregnant? One of the main concerns of pregnant women is the cost of life insurance will pregnancy make your premiums shoot up? Theres good news here: if your pregnancy is considered within the parameters of normal, it should not affect your life insurance rates. In other words, the state of your health pre-pregnancy is what will affect your rates. Normal parameters during pregnancy include:
Youre under 40 years old
Pregnancy is not considered high-risk
Youre carrying a single baby
No pregnancy complications or history of complications (in previous pregnancies)
No medical issues that require ongoing treatment (pre-existing conditions)
Normal pregnancy weight gain
Healthy BMI & blood pressure
CDC, Life expectancy for smokers is at least 10 years shorter than for nonsmokers. If you smoke during pregnancy, that can certainly impact your life insurance rates.