Can You Get Life Insurance for Your Adopted Child?


Are you thinking of purchasing a life insurance policy for your newly adopted child? Are you wondering if you can purchase a policy for your child since you may not know the child’s and/ or the birth parents' full medical history? The good news is yes, you can purchase a life insurance policy for your adopted child.

The adoption agency may or may not know the child’s birth parents medical history. If the birth mother was established with the agency early in her pregnancy, the agency may only have her prenatal medical care history. There is only a slight chance the agency would have the complete medical history of both birth parents as well as their extended family members.

Whether the child you are adopting is a newborn baby, a toddler, pre-teen, or even a child from another country; you will be able to have the physician you have chosen perform a full medical examination. When completing the insurance application, you would be asked to provide the insurance company with the recent medical information. It is important to document the child is adopted so the insurance company will not take your own family history into consideration. Any other type of medical documentation the insurance company will require will be at the discretion of the underwriter.

About the author: Teri Costen has been in the life insurance business for over 20 years. She is a mother of three who enjoys working out, taking aerobic kickboxing classes, and making stained glass. Teri believes that finding the right life insurance policy helps protect your family and loved ones. You can contact Teri at 1-800-651-1953 or