Can You Get Term Life Insurance While Pregnant?

Yes, you can get term life insurance while pregnant. However, if you have a pregnancy complication such as preeclampsia or gestational diabetes, insurers may refuse to sell you term life insurance coverage during your pregnancy. Shopping around for term life insurance rates while pregnant will help reduce costs. To find the best term life insurance rates while you are pregnant, use our free tool below.

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Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states. Born in Haiti. Reared in Brockton, MA. Matured in Philadelphia. Schimri is a proud graduate of Arcadia University, having earned both a Masters in Special Education and an MFA in Creative Writing from the castle-riddled campus in Glenside, PA. By personality and by profession, Schimri is an educator...

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UPDATED: Oct 21, 2020

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Term Life Insurance While Pregnant
Term Life Insurance While Pregnant Details Source
Best Time to Apply for Term Life Insurance While Pregnant First or Second Trimester N/A
Pregnancy Conditions that can Result in High Rates or Denial - Gestational Diabetes (affects up to 10% of pregnancies)
- Preeclampsia (affects every 1 in 25 pregnancies)
CDC
Weight and Height for Super Preferred Weight Class5'6" and 174 lbs
6'0" and 204 lbs
6'4" and 230 lbs
N/A
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Can you get life insurance while pregnant? Starting a family is one of the major life events that drive people to consider getting term life insurance while pregnant. When you’ve got loved ones dependent on you, term life insurance pregnant coverage provides a cost-effective way to protect them from financial hardship if the unthinkable were to happen.

But if you apply for term life insurance quotes 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.

Read on to learn what happens when you apply for term life insurance during pregnancy. To find the best rates on term life insurance while pregnant, use our free comparison tool above.

Table of Contents

When to Apply for Term Life Insurance During Pregnancy

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. Provided the results of your paramedical exam—and other factors—are favorable, you might even get a preferred rating. Take a look at the table below to see what weight and height are in each rating class.

Term Life Insurance Rating Classes Based on Height and Weight
HeightSuper Preferred Weight ClassPreferred Weight ClassStandard Plus Weight ClassStandard Weight Class
5'6"174 lbs187 lbs202 lbs226 lbs
6'0"204 lbs221 lbs240 lbs271 lbs
6'4"230 lbs246 lbs267 lbs302 lbs
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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.

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Term Life Insurance and Pregnancy Complications

What if I have pregnancy complications? While asking if you are pregnant may seem like one of the nosy term life insurance questions, as with any medical condition, pregnancy complications will likely affect your rating. They could even result in life insurance companies declining your application.

Gestational diabetes could be cause for denial. According to the Center for Disease Control (CDC), gestational diabetes affects up to 10 percent of all pregnancies every year.  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.

Waiting to Apply For Term Life Insurance While Pregnant

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 when getting life insurance while pregnant.

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 pregnant life insurance 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 when dealing with life insurance and pregnancy.

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Frequently Asked Questions: Term Life Insurance While Pregnant

Before we leave you, we want to go over a few questions commonly asked when future parents are buying term life insurance.

#1 – Should both parents get term life insurance while pregnant?

Yes, both parents should get term life insurance. You are starting a new family, and having both parents on a life insurance policy means that your children’s future is protected if one spouse dies.

#2 – Should I get term life insurance if I’m a single mom?

If you are a single mom who is struggling to make ends meet, paying for a term life insurance policy may not seem worth it. However, shopping around for different term life insurance policy quotes while pregnant can make it easier to afford term life insurance. You may even find an employer who offers life insurance as a benefit.

As a single mom, you may need more coverage than usual because there won’t be a spouse left behind helping with the bills. Make sure to talk to an insurer about what coverage you should have to provide for your baby.

#3 – Should I get term life insurance for my baby?

Getting life insurance for your infant may seem like a strange purchase, but it can actually save your child money in the long run. Their life insurance policy will have the lowest rates possible, so when they are grown up with their own families they can save on expenses. There are plenty of affordable life insurance policies meant just for children, so make sure to ask your insurer what they have.

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.

To find the best term life insurance rates while you are pregnant, use our free tool below.

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