Should I Apply for Life Insurance when I am Pregnant?

Having a Baby

I have been asked by many people, should I apply for life insurance when I am pregnant? My personal opinion on this subject is Yes! The reason being, why wait? Having peace of mind and knowing that if something were to happen to you, your family is protected…that is priceless.

I have a very good friend of mine that applied for life insurance when she was about 6 or 7 months along. She was approved for the best possible rate class you can get. It all depends on each individual’s health. Sometimes your cholesterol will be a little higher than usual during pregnancy, which could affect your rate. It doesn’t mean you wouldn’t be able to get life insurance, it just may mean that you are approved at a little higher rate than if your cholesterol was lower.

Another factor that could affect the price of your life insurance is developing gestational diabetes while you are pregnant. This can have more of an impact on your life insurance than having issues with cholesterol. Some carriers feel that if you are diagnosed with gestational diabetes while you are pregnant, there is a good possibility that you will develop it again later in your life.

Sometimes during a pregnancy, you can develop high blood pressure. Blood pressure is also something that could affect your life insurance rate. Each life insurance carrier differs when it comes to determining your final rating class.

Regardless of how your policy is rated, whether it be a little higher from cholesterol or  blood pressure or from the gestational diabetes, keep in mind that after 12 months, you can contact your agent to see if you can improve your rate class that you were first approved for. You would want to make sure you go to your physician to have a checkup first to ensure everything is back to normal and wait 12 months from then to reapply.


About the author: Pam Fortier has been in the life insurance business for over 30 years. She also holds both a LUTCF designation and a CISR designation. Pam is adept at helping clients select the coverage they want at the price they can afford. You can contact Pam at 1-800-651-1953 or