Life Insurance for Pregnant Women (Discounts & Rates)

Purchase life insurance for pregnant women during the first trimester or before conceiving. Otherwise, underwriters may postpone your application. Expect higher life insurance rates for pregnant women than for non-pregnant women. Elevated cholesterol levels, gestational diabetes, and even weight gain from pregnancy can impact your overall premiums. Apply four to eight weeks after giving birth to allow your body to heal from any pregnancy-related conditions.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 14, 2021

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The Highlights

  • The best time to buy life insurance for pregnant women is in the first trimester or before becoming pregnant
  • If you apply after your first trimester, the underwriter may postpone your application until after you give birth
  • Pregnancy complications and weight gain affect life insurance rates for pregnant women

While the best time to buy life insurance for pregnant women is before you become pregnant, you can still purchase a policy during your first trimester.

Keep reading to learn what your life insurance options are, how much it might cost you, and discover what to expect when applying for life insurance when you’re expecting.

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

How does pregnancy impact life insurance?

On average, life insurance costs about $26 per month. However, pregnancy can impact that number.

Life insurance providers evaluate pregnancy on a case-by-case basis. Underwriters look at your medical records and current health status to determine your rates.

Weight gain and other pregnancy complications can impact that total cost.

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

Truthfully, your best option for pregnancy insurance is to purchase coverage before becoming pregnant.

Otherwise, the underwriter might postpone your application, leaving you unprotected during the birthing process.

What health conditions affect life insurance and pregnant women? Take a look at the following list:

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

Companies weigh health conditions very differently. Some care more about pregnancy weight gain; others might use your pre-pregnancy weight on your application.

Therefore, compare multiple providers online to find the best life insurance company for pregnant women near you.

Lying on your application about your pregnancy is insurance fraud. The company could deny your beneficiary’s claim as a result.

If you already have life insurance and then get pregnant, you do not need to inform the provider.

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

The best time to purchase life insurance is before you become pregnant. Assuming you’re in good health, you can apply for traditionally underwritten whole or term life insurance coverage.

Invest in a death benefit that provides your child with the same financial security they would have if you were still alive until they turn 18.

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

Look for a policy that includes a child insurance rider. For a small fee, all current and future children receive coverage to help with funeral costs should a tragedy occur. Disability and spousal riders might also be helpful.

Those already pregnant should purchase a policy during their first trimester. Otherwise, the provider may postpone your application until after you give birth.

After pregnancy, wait four to eight weeks before applying for a policy. Any potential complications, including cholesterol or blood pressure issues, should be resolved by this point.

If possible, name your spouse or partner as the beneficiary. Otherwise, your family could incur unnecessary legal fees, and the funds might get tied up for years.

If you name a minor as the beneficiary, a court must put the money in a trust under the care of a court-appointed legal guardian.

The guardian holds onto the money until your child reaches legal adult age. An adult beneficiary, on the other hand, can access the funds immediately.

You could also create a trust or Uniform Transfers to Minors Act (UTMA) account. Consider working with a lawyer or financial planner.

Life Insurance for Pregnant Women: The Bottom Line

Ultimately, life insurance for pregnancy can be a challenge depending on your overall health and how far along you are.

Securing affordable life insurance for pregnant women is more complex than for non-pregnant women.

Compare life insurance rates for pregnant women by entering your ZIP code into our free quote tool below.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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