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Pregnancy is such an exciting time, but it does come with a long list of expenses. Purchasing life insurance when pregnant may seem like just another item on this list, but it’s an important one.
Nobody wants to think about their loved ones having to manage without them, but, when you have a dependant like a child, this is unavoidable.
Being pregnant doesn’t mean it’s too late to get cover, though it might come with some limitations if you’re further along in your pregnancy.
Yes. In fact, this is when many people decide to take out life insurance, driven by the thought of having someone completely dependent on them.
That said, getting life insurance when pregnant may be easier in your first trimester, as certain complications might arise in your second or third trimesters (such as high blood pressure or hypertension) that would mean the insurer postpones the start of your policy until after you’ve given birth.
Raising a child is not easy and, crucially, not cheap. The responsibility and expenses are considerable.
It’s a terrible thing to think about, but imagine if you weren’t around to look after and provide for your child. How would they manage? Even if your partner was still there, would they manage on just the one salary? Life insurance helps ease the worries by assuring you your loved ones will be looked after even if you can’t be there in person.
The application process will be largely the same whether or not you’re pregnant, but it’s worth clarifying a few points:
If you’re applying for new cover, you will need to be completely honest about all health-related conditions, including pregnancy.
Failing to do this can invalidate your policy altogether, which might mean no payout is given out, despite you paying your premiums in full.
You don’t have to, but you might want to.
If you already have an existing life insurance policy in place, you’re under no obligation to tell your insurer you’re pregnant or inform it when you’ve had your baby.
However, you might want to increase your cover to align with having a new dependant to look after. This can mean higher premiums, but that could be a good opportunity to shop around and see if you can get a better deal on your insurance with a new provider.
Certain conditions associated with pregnancy, such as anaemia and hypertension, can mean your insurer postpones cover until after you give birth.
For this reason, consider arranging life insurance as early as possible, as these complications tend to arise later in the pregnancy.
Being pregnant shouldn’t have a bearing on the cost of your insurance, as long as there are no underlying health conditions or complications involved.
Just like at any other time, the insurer will take into account your lifestyle and any existing medical conditions (this doesn’t include pregnancy) to calculate your premiums.
Use our online calculator to find out how much life insurance you need based on your own personal circumstances.
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If you are a new parent and looking for life insurance, read our comprehensive guide to find out what type of cover you need and what’s included.
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If you’re thinking of cancelling your life insurance policy, rest assured that it can be done. Find out how to cancel, how much it costs and what the consequences might be.
Life insurance for mums can help ease the financial burden should something happen to you. Find out what’s covered and get a quote here.
Looking for life insurance for your children? Read our comprehensive guide on child life insurance and get quotes online today.