Life Insurance for an Unborn Baby (Discounts & Rates)

While you cannot purchase life insurance for an unborn baby, there are life insurance policies available for children as young as 14 days old. These baby life insurance policies are generally whole life insurance policies. The main benefit to purchasing life insurance for your child is that they will lock in lower rates than purchasing a policy later in life.

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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: May 19, 2021

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The Highlights

  • You cannot purchase life insurance for a baby until they are at least 14 days old
  • Whole life insurance policies for children start at less than $15 per month
  • The rates for children’s whole life insurance do not increase over time as long as the premiums are paid on time

As a prospective parent, it’s important to know if you can buy life insurance for an unborn baby.

Keep reading to learn more about when you can purchase life insurance for your child and who offers the most affordable coverage.

Do you want to start looking for affordable life insurance for an unborn baby right away? Enter your ZIP code above to get started.

Can I buy life insurance for an unborn baby?

Currently, no, you cannot buy life insurance for an unborn baby. Life insurance companies do not allow policies to be purchased until a child has been born.

Depending on the company’s rules, life insurance for babies can start to be approved, beginning anywhere from 14 days post-birth.

Two of the most popular life insurance providers for children are Gerber Life and Mutual of Omaha. Both state that children have to be at least 14 days old to be approved for a policy.

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What kind of baby life insurance is available?

The majority of life insurance policies for children are whole life insurance policies. This is a permanent policy that remains with the child for the rest of their life.

While you cannot get life insurance quotes for an unborn baby, the rates for a child’s policy are still very low. Often these policies start at less than $5 per month.

Most companies will maintain these rates for as long as the policy is active, which means your child could be paying less than $5 a month even when they are in their sixties.

This can be particularly beneficial if your child has declining health or is at risk for any genetic disorders.

For example, if your child has a severe or chronic illness that makes them high-risk to insure, you can save your child thousands of dollars in premiums down the road.

According to an article in the National Library of Medicine, almost half of the US population has a chronic illness. This makes purchasing a life insurance policy for a child once they are born a sound investment.

Who offers the most affordable life insurance for babies?

There is no life insurance company for an unborn baby. However, many life insurance companies offer whole life insurance policies for children starting when they are only days old.

Here’s a look at two of the most affordable company’s rates, Gerber Life and Mutual of Omaha. The rates below are for a $25,000 policy on a child under a year old.

Gerber Life vs. Mutual of Omaha Children's Average Monthly Whole Life Insurance
CompanyAverage Monthly Rates
Gerber Life$15.70
Mutual of Omaha$10.02
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As you can see, while neither company offers life insurance rates for an unborn baby, their child rates start at less than $5 per month.

Mutual of Omaha, however, comes in as the most affordable company with significantly lower rates than Gerber Life.

However, Gerber Life does offer higher coverage amounts, as their coverage doubles when a child reaches 18, while Mutual of Omaha’s coverage remains the same throughout the child’s life.

Even though you can’t buy life insurance for an unborn baby, you can still find affordable life insurance for children from providers near you. Enter your ZIP code below to start comparing baby life insurance quotes from local companies for free.

Are you looking for free insurance quotes?

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