Can You Get Term Life Insurance When You’re Pregnant?

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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. You can find him on Twitter.

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UPDATED: Aug 6, 2020

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Starting a family is one of the major life events that drive people to consider getting term life insurance. When you’ve got loved ones dependent on you, term life provides a cost-effective way to protect them from financial hardship if the unthinkable were to happen. But if you apply for life insurance when you’re pregnant (with a multitude of physiological changes in progress), can you expect a life insurance company to approve you for a policy?

The answer: It depends.

When You Apply for Term Life During Your Pregnancy Matters Most.

Although underwriting varies from one life insurance company to another, most will consider you for a term life policy if you apply during your first or second trimester.

At that stage, pregnancy weight gain won’t have reached its full effect. And insurance companies typically won’t hold a reasonable amount of extra pounds against you, recognizing that some increase in weight during pregnancy is normal and healthy.

Provided the results of your paramedical exam—and other factors—are favorable, you might even get a preferred rating.

Pregnancy Complications Will Complicate Things.

As with any medical condition, pregnancy complications will likely affect your rating and could even result in life insurance companies declining your application.

Gestational Diabetes, with prevalence in the United States as high as 9.2%, could be cause for denial. It could even prevent you from getting approved for term life in the future. Women who affected by gestational diabetes are seven times more likely to develop type 2 diabetes five to ten years after they’ve delivered their babies.

Preeclampsia, a condition characterized by high blood pressure, protein in the urine, and unrelenting swelling in the fingers and toes, could also adversely affect your chances of getting term life insurance while pregnant. Understandably so given that it can lead to serious complications including organ (particularly the kidneys) damage.

Other less severe pregnancy complications that don’t pose long-term risks might temporarily affect a life insurance company’s decisions about covering you and determining your rates.

Should You Wait to Apply for Term Life Insurance if You’re Pregnant?

It’s best to talk with a qualified life insurance professional to predict how favorably a life insurance company might consider your application. Even if you apply for term life and you’re declined for coverage or approved at a higher premium than you’d like, you might opt to reapply six to eight weeks after you’ve had your baby. By then, any pregnancy-related conditions might have passed, and insurance companies could find it more attractive to approve you for a policy.

You might also ask about life insurance companies who offer term life without requiring a medical exam. According to QuickQuote owner Tim Bain, you could potentially get up to $400,000 in term life coverage from them. But expect to pay a higher premium.

But Why Wait to Protect Your Family if You Don’t Have To?

Remember, even if the insurance companies won’t offer you term life at a preferable rate during your pregnancy, your spouse or partner doesn’t have to wait to provide peace of mind for your family. It’s fast and convenient to get a term life insurance quote online.  Why not urge him to check it out now and together take your first steps toward providing your children with a secure financial future.


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