Can You Get Life Insurance While Pregnant?
Yes. You can apply for and take out life insurance at any stage of pregnancy. A straightforward pregnancy with no complications will not affect your application at all.
However, if you have pregnancy-related complications, some insurers may:
- Defer your application until after delivery (for complex cases)
- Offer cover with specific exclusions or loadings
- Request additional medical information
How Pregnancy Complications Affect Applications
| Condition | Typical Impact |
|---|---|
| Normal pregnancy, no complications | No impact – standard rates |
| Morning sickness (hyperemesis) | Usually no impact |
| Gestational diabetes | May be deferred until resolved post-birth |
| Pre-eclampsia | May be deferred until after delivery |
| High-risk pregnancy | Often deferred until 3–6 months post-delivery |
| Previous pregnancy with no current complications | Usually standard rates |
Why New Parents Need Life Insurance
Having a baby dramatically increases your need for life insurance. Your child will depend on your income for the next 18+ years. If you die, who pays for:
- The mortgage or rent
- Childcare and nursery fees
- Day-to-day living expenses
- Your child’s education
- Future plans you had for your family
Both Parents Need Cover
Even if one parent is not working, they should still have life insurance. The cost of replacing a stay-at-home parent’s childcare, cooking, cleaning, and school runs is over £30,000 per year.
Frequently Asked Questions
Yes. Normal pregnancy: no impact. Complications may result in deferral until after delivery.
No. Pregnancy does not increase premiums. Complications may delay but not permanently affect rates.