Life Insurance When Pregnant

The addition of a new family member can bring a great deal of happiness, but it can also come with it’s own set of considerations. 

Whether you can get life insurance while pregnant is one of them. Fortunately, the life insurance advisors we work with are experts and can offer you both the right advice and help you find the best deals available. 

In this article we’ll discuss what options are open to you, including:  –

Whether you’re pregnant or simply thinking ahead to the future and want to make sure you have the right life insurance cover in place to protect your family, get in touch to speak to one of the life insurance experts we work with.

Call 0808 189 0463 or make a quick enquiry. We’ll match you with an advisor who can help save you time and hassle by helping you understand what cover you need and then finding you the right insurance product at the best available price.

Can I get life insurance while pregnant?

The short answer is yes. The majority of women who are pregnant can still get life insurance, but it can be a bit of a challenge if you don’t find the right insurance company for your circumstances. 

Many pregnant women can experience difficulty in obtaining life insurance due to certain pregnancy-related health issues, such as high blood pressure, elevated cholesterol levels or gestational diabetes. 

There are quite a few insurance companies who may prefer to postpone an application until a set time after you have given birth, so it pays to get the right advice.

Why should you take out life insurance when pregnant?

When you start a new family, or add to an existing one, a whole host of new responsibilities come your way.

The first one will be financial. An appropriate life insurance policy can give you real peace of mind should the worst happen. A good policy can ensure that your family will still be able to cope financially, especially if you were a major contributor to the family income. 

It can be a comfort to know that expenses such as mortgages or school fees will be covered and your partner and children won’t have to struggle to make ends meet. 

Taking out life insurance when pregnant

Anything less than full disclosure of your health and lifestyle choices is essential to ensure that your cover is not invalidated.

For instance if you smoke and/or consume alcohol, but then quit when you became aware that you were pregnant, you need to be careful of what you write on the application. 

This is because most life insurance providers will require that you have not used alcohol or nicotine products (this includes e-cigarettes) for at least 12 months. 

If you’re pregnant, then your best option for getting affordable life insurance is to use the services of an independent broker. 

The brokers we work with are experts and are not tied to any one insurance company, being independent and whole-of-market means they can shop around for the best deal for your circumstances.

A chat with one of these brokers is completely free and comes without obligation. 

Do I need to tell a life insurance provider I’m pregnant?

Yes. It is of the utmost importance that you advise your life insurance provider of any health issues that may affect your policy. 

Conditions like anaemia are quite common, as is high blood pressure.

Remember, if you are found to have given inaccurate information or chosen not to disclose certain information when making your application, the policy may be deemed invalid and any payouts could be withheld. 

How to find the best life insurance deals for pregnant women

As we mentioned earlier in this article, the life insurance brokers we work with are totally independent with  access to and good relationships with all the insurance providers, not just a select few. They will be able to find the absolute best cover and get you a great deal based on your specific needs and circumstances. 

You can call us on 0808 189 0463 or contact us online for a chat. We’ll match you with a broker with the right expertise. The service we provide is completely free and without obligation. Expert advisors only get paid when you get the policy you want.