Applying for Life Insurance During Pregnancy

Applying for life insurance during pregnancy may postpone your approval if you have a high-risk pregnancy. If you're planning on applying for life insurance while pregnant we recommend applying before you are pregnant or in the first or second trimester. It's also smart to get a pre-pregnancy or early pregnancy cholesterol test, since being pregnant can raise your cholesterol levels, which can raise your life insurance rates. Start comparing rates for free with our tool below.

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Starting a family is one of the most exciting and rewarding experiences many of us will have, however right along with the pitter-patter of little feet comes the obligation to protect your new family financially. A term life insurance policy is one of the least expensive options to protect your family.

If you are pregnant or thinking about becoming pregnant and ready to purchase a life insurance policy, here are some tips to help you get through the process without a hitch.

  • If you can, apply before you are pregnant or in the first or second trimester.

  • See your personal doctor for a physical before you are pregnant or very early in your pregnancy to track your height and weight so the insurance company can see a pre-pregnancy weight measurement.

  • It is a good idea to have a pre-pregnancy or early pregnancy cholesterol test done as well, as your cholesterol levels may be elevated during your pregnancy and while nursing. Some companies will be more lenient on cholesterol requirements. However, some will need proof that your numbers are increased due to pregnancy or nursing. Some companies will not allow any exceptions at all, but either way, it is better to be prepared with previous test results.

  • If you have a high-risk pregnancy or complications during pregnancy, keep in mind that the insurance companies may postpone until after delivery.

  • Even if you are offered a policy that is more expensive than you hoped for, it is better to get a policy in force to protect your family as soon as you can, and then replace it in the future if and when you can qualify for a better rating class. Most companies will tailor the coverage amount to fit your budget needs as long as you do not go below their minimum required coverage amount.

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