Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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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 insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 29, 2021

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The Brief

  • Weight gain and pregnancy complications can increase life insurance rates
  • The best time to get life insurance is prior to becoming pregnant
  • Expecting parents can shop for life insurance online

The arrival of a new family member is an exciting time filled with baby showers, nursery decorations, and, of course, thoughts on how to best protect your precious little bundle of joy.

Getting life insurance before the baby’s born is ideal, but luckily you can find affordable life insurance companies that offer insurance while pregnant if you don’t already have a life insurance policy.

If you start to peruse pregnancy guides you’ll learn that experiencing pregnancy complications or gaining weight can raise your rates.

Instead of frantically typing “life insurance third trimester” or “life insurance pregnant women” into your search engine in hopes of finding the best policy, keep reading to discover how to buy life insurance while pregnant.

Enter your ZIP code above to get free quotes from life insurance companies that offer insurance while pregnant today.

What are the best life insurance companies for pregnant people?

If you’re pregnant, you’ll be happy to hear that you can get life insurance quotes from life insurance companies that offer insurance while pregnant.

These companies are reputable insurance companies and have excellent policies available for expectant parents.

Streamline your search for an insurance company by shopping rates from these top insurance companies:

  • State Farm
  • Haven Life
  • AIG Life
  • Prudential

When you’re looking for the right life insurance company, life insurance companies that offer insurance while pregnant each have their own selling points.

Let’s take a closer look at these companies and what they can offer you so you can find the best one for your needs:

State Farm

First on the list is State Farm, an incredibly popular insurance company that has earned an A++ rating from AM Best.

Not only is State Farm highly efficient when it comes to processing claims, but this company also makes your shopping experience very convenient.

You can compare different policy options as you work up to getting quotes so you can see which policy type is best for you.

You can get $250,000 in coverage for about $22 per month, and if you want to learn more you can always read detailed reviews on State Farm life insurance.

Haven Life

Backed by MassMutual, Haven Life has an A++ rating from AM Best and offers excellent rates for life insurance products. An applicant in good health could potentially get $250,000 in coverage for about $23 a month.

That is a great amount of coverage that could provide for your loved ones in case the worst should happen.

AIG Life

With an A rating from AM Best, AIG Life provides great coverage at even better rates for expectant parents.

Of course, rates will vary depending on your health and how much coverage you want, but you could potentially purchase $250,000 in coverage for just $14 per month.

Prudential

Prudential is an excellent insurance company not only because it has an A+ financial rating with AM Best but also because you can customize your policy with a variety of riders that the company has available.

Applicants could spend just $26 a month for $200,000 in coverage.

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Why are my life insurance rates affected by my pregnancy?

Like auto insurance, a life insurance company needs to know several persona factors about you. When a life insurance company calculates rates, it takes into account a person’s:

  • Health risks
  • Hobbies
  • Estimated lifespan
  • Medical history
  • Age
  • Sex
  • Weight

Now, if you are pregnant and shopping for life insurance, an insurance company will focus on weight gain and complications with your pregnancies.

Most insurance companies will be more than happy to use your pre-pregnancy weight when calculating your rates, but it’s not all that uncommon for an insurance company to use your current weight.

Some companies will also check in to verify that you’ve not put on an “abnormal” amount of weight during your pregnancy. If an insurance company states that you have, you could see an increase in your rates.

Now if you’re buying life insurance after giving birth, insurance companies, for the most part, will use your weight prior to giving birth before you for rate calculations.

But as you read, your weight isn’t the only thing your insurance company is interested in. If there’s evidence that you’re experiencing complications or are bearing a high-risk pregnancy, you could see your rates rise.

Such factors that could bring about an increase in your insurance rates during your pregnancy are:

  • Pre-eclampsia
  • Postpartum depression
  • Gestational diabetes
  • Complications in a previous pregnancy
  • Elevated cholesterol levels
  • Pregnancy at 45 years old or more

To be forewarned is to be forearmed, so keep this list in mind as you peruse policy quotes and keep an eye out for language that implies that your rates could rise due to complications.

Do I need to tell life insurance I’m pregnant?

If all this information is weighing on you, you may find yourself asking if you should even let an insurance company know if you’re pregnant when applying for a policy.

No matter how nerve-wracking the process of acquiring life insurance may be, you should always be honest when working with a life insurance company because any omission could be considered fraud and land you in hot water later.

Should I make my newborn my life insurance beneficiary?

It may seem only natural to name your newborn as your beneficiary when you buy a life insurance policy, but it is not the best idea in practice.

When a minor is the beneficiary of a death benefit, a court-appointed guardian becomes responsible for the funds.

Again, that doesn’t sound so bad at first, but your loved ones would then be faced with legal fees and the funds that you’ve wanted to leave behind for your child could be tied up for quite some time.

In order to make sure that your legacy gets to the right people in a timely manner, name your child’s legal guardian or your partner as the beneficiary of your life insurance policy.

Another strategy you can pursue is to create a trust. This trust can be managed by a responsible custodian until your child becomes a legal adult.

If you’re unsure which is the best plan for you and your family, you can always ask a lawyer or a financial planner for help.

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What You Need to Know About Life Insurance Companies That Offer Insurance While Pregnant

Ideally, you should purchase a life insurance policy before you get pregnant; however, life insurance companies will still sell you a policy if you are pregnant, even if you are in your third trimester.

Getting a policy early or even before your pregnancy can help you obtain lower life insurance rates from life insurance companies that offer insurance while pregnant.

Bear in mind though, that an insurance company may decide that it won’t activate your policy until you have delivered your baby. This means that you will have to weather the risks of childbirth without coverage

It’s imperative that you avoid life insurance companies that don’t offer insurance while pregnant if you need coverage right away. If you do, remember that weight gain or pregnancy complications can raise your rates after your first trimester.

You can shop online and get free life insurance quotes from life insurance companies that offer insurance while pregnant. Enter your ZIP code below to get free quotes from life insurance companies that offer insurance while pregnant today.