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Can I Get Life Insurance as A Pregnant Woman?

Published On May 29, 2021 9:00 AM By InsuranceDekho

Being pregnant is a good time for expecting parents who do not have life insurance yet, to get one. For parents, having a life insurance policy is a way to make sure they are financially securing for their children.

Can Pregnant Women Get Life Insurance?

In numerous cases, the answer is yes. You would usually be able to take life insurance without a problem if you are early in your pregnancy and there are no medical problems. You will be able to receive a life insurance policy with relative ease, especially if you are in your first trimester, you do not have a pre-existing illness that may lead to pregnancy complications, and you do not have a history of complications from prior childbirth.

Here are a few things pregnant women must know about life insurance when they need a policy.

  • Time of Taking the Policy

    Your life insurance premium can be affected by certain circumstances. If you are pregnant and do not smoke, for instance, it could have a more beneficial effect than if you were pregnant and smoked. There could be more trouble getting life insurance where there are medical problems. Often, the longer you are in your pregnancy, the more likely the result will be that when you give birth, your policy will be approved. It is best to apply as soon as possible for life insurance, so you can obtain a policy at the lowest cost.

  • Life Insurance if You Are Not Working

    You may worry about the value of life insurance if you do not intend on earning after the baby is born. As the job you do as a stay-at-home mom is valuable, life insurance is also vital to have. When you pass away, childcare, household upkeep, and other associated responsibilities will need to be compensated by your partner, spouse, or other family members. This sort of situation can be compensated for with life insurance coverage.

You may also like to read:- What is the Best Age to Buy Life Insurance? 

  • Medical Examination

    If you are applying for life insurance that includes a medical test, your life insurance premiums may be impacted by the changes to your body. As long as the changes are considered average and natural for maternity, your premiums are not affected. However, if you have any complicated health conditions, your premiums can be impacted by any complications that occur due to pregnancy, or whether your doctor has classified the pregnancy as a high risk.
  • Disclosure of Facts

    In paying for a life insurance policy, honesty is always the right policy. Your life insurance coverage can be rejected if you conceal your pregnancy, and then when you pass away because of something connected to your pregnancy, your life insurance benefits can be denied. For your family and future child, this could complicate matters. 

Also read 

Why Women Should Buy Life Insurance?


Most pregnant women can still qualify for life insurance even while pregnant. However, pregnant women can get life insurance coverage, with some caveats. Each life insurance company approaches pregnancy differently and also approaches each application on a case-by-case basis.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.        

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