Can you get Life Insurance while pregnant?


Pregnancy and Life insurance – the bottom line

life insurance pregnancy

If you’re thinking about starting a family or have just found out you or your partner is pregnant it may be a good time to start thinking about life insurance.

Having a child means added responsibility, both practically and financially. The cost of raising a child is widely published and any parent knows the pressures it can put on your bank account.

Did you know?

The average cost of raising a child to the age of 18 is now £150,753 for a couple and £183,335 for a lone parent*. Many people now take out Life Insurance during or immediately following a pregnancy, to ensure that their new and growing family is financially covered if the worst was to happen.

Does pregnancy affect the cost of insurance premiums?

The cost of your life insurance will not be affected if you get pregnant whilst already covered by a pre-existing life insurance policy. If you are seeking life insurance and have just discovered you are pregnant and have no early pregnancy complications then you don’t need to inform us when taking out a policy with us.

If you do have any pregnancy complications you should inform us during the online application process – or alternatively you can contact us by phone or live chat.

Changes to your body during pregnancy

Whilst pregnant and looking for life cover, you may be unsure of how to answer certain questions about your health and body when you are going through our life insurance quote process. To help you through, we have provided a couple of key questions and suggestions on how to answer these.


Other questions you may have…

Are you due to undergo a medical test or investigation following advice from your doctor?

If you are undergoing routine trimester scans, you do not need to disclose this as a medical test in your application.

What about my weight during pregnancy and dress size?

When answering the health questionnaire, we will use your pre-pregnancy weight and dress size to determine your BMI.

If you need any more information around pregnancy and life insurance please feel free to contact us or to find out more about how our policies could protect you and your family, please head to our information on family cover.