Updated: October 08, 2019

Life Insurance When Pregnant

Planning to take out life insurance during pregnancy? Read our guide to make sure you secure a policy that fits your needs and circumstances

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Pete Mugleston

Author: Pete Mugleston - Mortgage Expert

Updated: October 08, 2019

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.

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.


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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.

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.

Ask a quick question

We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in life insurance. Ask us a question and we'll get the best expert to help.

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Pete Mugleston

Pete Mugleston

Mortgage Expert

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

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FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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