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: Apr 12, 2021

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The Brief

  • Life insurance for pregnant women is available from most insurance companies.
  • Your current trimester and the status of your pregnancy (whether there are complications or if you’re considered high-risk) can affect whether or not an insurance company will sell you a policy
  • Hiding the fact that you’re pregnant when applying for life insurance is considered fraud
  • Average rates for life insurance are about $62 per month (though this is highly dependent on your age, marital status, and personal health statistics), and you may be able to get a typical rate during pregnancy if you apply during the first trimester and have no complications

Are you pregnant and looking for life insurance? If so, you probably have questions.

Can pregnant women get life insurance? Will pregnancy affect your rates? Will it impact your life insurance risk class? Do you need to inform your life insurance company when you get pregnant? You’ve come to the right place. Read this article for more on pregnancy insurance.

Looking for affordable life insurance for pregnant women? You can start comparing quotes for life insurance for pregnant women right now by entering your ZIP code in the free tool on this page.

Can you get life insurance when you’re pregnant?

You can get life insurance when you’re pregnant, though there may be some restrictions, and typically insurance companies consider each application individually to determine if you’ll qualify.

Some companies require you to be in the first trimester only. In contrast, others will sell you a policy regardless of how far along you are (as long as there are no complications associated with your pregnancy).

So when should you apply for life insurance? Sooner is better than later. Your best bet is to apply for term life insurance in the first trimester of your pregnancy.

If you’re pregnant when you apply for life insurance, you’ll need to provide that information as a part of your application.

According to the Insurance Information Institute, hiding your pregnancy is considered fraud, which is classified as a crime in all 50 states and the District of Columbia; and could affect any death benefits.

Even if you’re planning to be a stay-at-home parent, it’s a good idea to buy life insurance coverage. Why? Because if the worst happens and you die, your partner will need to make adjustments that could include things like paying for child care.

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What are average life insurance rates if you’re pregnant?

Rates depend on how far along you are in your pregnancy. If you meet the following conditions, your rates will probably be about the same as if you weren’t pregnant:

  • Be in the first trimester
  • Have no pregnancy-related complications and no history of pregnancy-related complications
  • Have no pre-existing conditions that could result in complications

If you’re later in your pregnancy or have any complications, you’ll probably face higher rates (and in some cases, your application may be postponed until after you give birth).

Regardless, the better health you’re in, the better your rates will be no matter when you apply for coverage: before, during, or after pregnancy.

What are some life insurance riders to consider if you’re pregnant?

In addition to a basic term life insurance policy (the length of which will vary depending on your individual needs, financial situation, etc.), there are some riders (optional add-ons) you can consider adding to your policy when you’re looking for life insurance for pregnancy, including:

  • Child insurance – death benefit of up to $10,000 for current and future children
  • Disability income – a small benefit to cover expenses if you’re injured and unable to work
  • Spousal rider – a more inexpensive way to get life insurance coverage for your spouse if they are unable to qualify or pay for their own policy

To make sure you’re getting the best price for your coverage, with or without riders, you should compare quotes from at least three insurance companies.

Should your baby be listed as a beneficiary on your policy?

In general, naming a minor as your life insurance beneficiary isn’t the best practice. Why? Because the funds will not be accessible to the child until they turn 18. To obtain the death benefit, most often, the courts will put the funds in a trust that your child’s guardian will manage until they turn 18.

It’s actually better to name your partner or whomever you choose to be your child’s legal guardian in the event of your death as the beneficiary. That way, the money is immediately available for the care and needs of your child.

You can work with a lawyer or financial planner to figure out the best approach for your situation.

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Life Insurance for Pregnant Women: The Bottom Line

You can get life insurance while you’re pregnant, but the sooner you apply, the better. Applying during your first trimester increases the chances that you’ll be approved and get better rates.

However, if you have any complications or are considered high-risk, your insurance company may postpone your application until after you give birth.

If you’re ready to buy life insurance for pregnant women, use your ZIP code in our free tool to compare rates for life insurance for pregnant women today.