Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Nov 24, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

The Truth in a Nutshell

  • If you apply for insurance in your first trimester, you’ll be considered a regular applicant as long as you don’t have any complications
  • If you apply in your second or third trimester, you might receive higher rates
  • An insurance company might postpone your application during pregnancy, but you probably won’t be rejected

Although it can be scary and stressful, finding out about pregnancy is a happy occasion. When a baby enters your life, your priorities will start to shift.

Expecting parents often start to think of the future and how they’ll provide a good life for their new little one. This usually involves seeking better employment, getting better insurance, and starting a college fund.

However, getting life insurance before a baby is born should be just as high on your list of priorities. Life insurance can protect your partner if something happens during childbirth and provide for your future child for decades.

There’s no need to worry about how much life insurance costs when you’re pregnant — your rates will be about the same as they would if you were not pregnant.

If you or your partner are expecting and want to find affordable life insurance quotes that offer insurance while pregnant, shop around to find the best rates. Enter your ZIP code into our free tool today if you’re ready to see what those rates might look like.

Life Insurance Companies That Offer Insurance While Pregnant

The good news for pregnant women is that pregnancy is not something an insurance company will deny you for. At the very worst, your application might be postponed until after you’ve given birth.

Insurance companies will probably treat your application as though you weren’t pregnant if you meet the following criteria:

  • You are in your first trimester
  • You have no history of complications or issues from a previous birth
  • You have no signs of pregnancy-related complications

However, you do run the risk of higher monthly rates if you apply while you’re pregnant.

What causes my rates to go up when I’m pregnant?

Childbirth is safer than its ever been in human history, but there is an inherent risk with having a child. While death during childbirth is rare, the U.S. does have the highest mortality rate for mothers in the developed world.

While most pregnancies won’t interfere with a life insurance application, some conditions can increase your rates:

  • Complications with a previous pregnancy
  • Cholesterol levels outside safety perimeters
  • History of postpartum depression
  • Gestational diabetes in your current or previous pregnancy
  • Preeclampsia
  • Pregnancy with triplets or more
  • Age 45+ (although some companies consider 35 a high-risk age for pregnancy)

The two biggest pregnancy factors that can increase your rates are weight gain and any complications listed above.

How does weight gain affect your life insurance?

One of the key ways a life insurance company judges how much risk you represent to the company is by looking at how much you weigh. Weighing too much or not enough can come with significant health risks and impacts your life expectancy.

Weight gain is a normal, healthy part of pregnancy, but it might look negative on your life insurance application. For this reason, many companies request your pre-pregnancy weight on the application.

Other companies take a more pregnancy-oriented approach and check that your weight gain is “normal” for the stage of your pregnancy.

If you apply after giving birth, most companies will use your pre-pregnancy weight for up to six months. Insurance companies understand that postpartum weight is not an accurate portrait of your health.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Do you need to tell your insurance company that you are pregnant?

When you find out that you’re pregnant, you might ask yourself, “Do I need to tell my life insurance I’m pregnant?” If you have, the answer is no. There is no reason to inform your life insurance that you are pregnant.

However, if you are applying for a new policy, you should be upfront in the medical exam about your pregnancy. Standard life insurance policies usually come with a medical exam, which includes an interview. You can inform your agent of your pregnancy during the interview.

If you neglect to tell the company that you’re pregnant and something terrible happens when you give birth, the company will likely reject your beneficiary’s claim.

When is the best time to apply for life insurance?

The best time to apply for life insurance is in your youth before you’ve developed any health conditions and before your pregnancy. After all, if you already have insurance, you won’t have to worry, “Is it bad to not have insurance?” later.

When you apply as a young adult, you can lock in the cheapest rates for decades. This is a great option for young people who don’t have kids yet but know they will sometime in the future.

However, a lot of 20-year-olds think of life insurance as something for the future. If you’re older or already pregnant, you can still apply for insurance and get great quotes.

If you’re pregnant, you should apply for insurance as quickly as you can. Applying during the first trimester means the company will likely treat you as a regular applicant. When you reach your second trimester, you’ll likely receive more questions about your pregnancy.

An application for life insurance in the third trimester might be postponed until after you’ve given birth. That doesn’t mean you’ve been rejected, just that the insurance company wants to revisit you after your baby has arrived.

If you decide to wait until after birth, try to give it four to eight weeks. After your six-week check-up, you’ll know if you have any postpartum complications and look a little more like your pre-pregnancy self.

Should your baby be the beneficiary of your life insurance?

While you’re free to name whoever you like as your beneficiary, most life insurance experts recommend against it.

Life insurance companies do not make payments directly to minors. For a child to receive a death benefit, the court system has to get involved. The court takes the payout and puts it in a trust under the care of a guardian. That guardian takes care of the trust until your child reaches 18.

In this instance, the maintenance of the trust eats away at the money meant for your beneficiary.

Instead, consider naming a guardian as the beneficiary of your policy. Ask yourself who will be taking care of your child if something were to happen to you. If you have a co-parenting partner, they might be the correct choice for your death benefit.

However, there are plenty of other options for who should be the beneficiary. You can name one of your parents or a friend or family member you trust to take care of your child.

Additionally, you can create your own trust to send your insurance payout. This works in much the same way as a court-appointed trust and guardian, but without hefty legal fees and wasted time in court.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Life Insurance When You’re Pregnant

Welcoming a baby should be a time of happiness and joy. While the little bundle you bring home is sure to come with its stresses, there’s nothing quite like bringing a new baby home.

As a parent, you want to make sure your child is well cared for. You can give your child all the love and care they need while you’re here, and life insurance can make sure they’re cared for after you’re gone.

You should start shopping around if you want to see quotes from life insurance companies that offer insurance while pregnant. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool.