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: May 10, 2021

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The Brief

  • You cannot buy life insurance for an unborn baby
  • You can purchase life insurance for a newborn 14 days after giving birth
  • Life insurance for babies may be unnecessary because they do not have dependents or an income

Unfortunately, you cannot buy life insurance for an unborn baby. However, you can purchase coverage after their birth.

Below, learn why you can’t get life insurance quotes for an unborn baby and compare sample life insurance rates for newborns.

You won’t find a life insurance company for an unborn baby, but by entering your ZIP code into our free rate tool above, you can compare policies for yourself.

Can you buy life insurance for an unborn baby?

Technically, life insurance prevents a dependent from suffering financially if a breadwinner passes away. But unborn babies do not have dependents or an income, making the coverage unnecessary.

Although life insurance for unborn children exists in other parts of the world, known as prenatal coverage, American providers do not offer this policy.

Fortunately, stillbirth rates in America declined dramatically since the 1940s, according to the Centers for Disease Control and Prevention (CDC).

While you may hope to protect your family from loss before or during delivery, you won’t find any American provider willing to underwrite affordable life insurance for an unborn baby.

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What life insurance policies should new parents consider?

Expecting parents should invest in their own life insurance coverage to best protect their children.

However, life insurance for pregnant women can be tricky to secure if you’re beyond your first trimester. 

Another option is to wait and purchase baby life insurance for your newborn. Many companies accept applications as early as 14 days.

But some financial experts warn that life insurance for babies is not always the best investment.

That said, if you can afford the premiums and it brings you peace of mind, it’s worth attaining coverage after giving birth.

Below, compare the average monthly rates for life insurance for babies and children from various providers:

Keep in mind that each company sells different levels of coverage for different ages.

For example, Gerber writes policies with up to $50,000 worth of coverage. However, Globe Life policies only reach $30,000.

Regardless, none of the providers sell policies for unborn children.

Life Insurance for an Unborn Baby: The Bottom Line

Ultimately, you cannot purchase life insurance for your baby before they’re born.

Instead, invest in your own coverage to protect your future child. Or secure a policy for your newborn after welcoming them to the world.

You won’t find life insurance rates for an unborn baby, but you can secure a policy for yourself by entering your ZIP code into our free quote tool below.