Life insurance when pregnant
If you’re expecting a baby, it’s only natural to feel excited, a little apprehensive, and keen to make plans for your future family life. Raising children isn't cheap, so it makes sense that pregnancy is a trigger to start thinking about life insurance. In this guide, we’ll look at the different ways you can buy life insurance while pregnant, and whether it affects your premiums or ability to get covered.
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Applying for life insurance when pregnant is no different to applying at any other time. As with any other applicant, you will be asked to answer questions about your health and lifestyle, but an insurer cannot decide that pregnancy alone is a reason that you should pay more for your cover or not insure you.
Benefits of buying life insurance
There are many stages of life where buying life insurance can provide financial peace of mind, and being pregnant is no exception. Here are some of the potential expenses for parents that life insurance can help cover if a parent were to die while covered by the policy.
It's important to remember that life insurance is not a savings or investment plan and only pays out if a valid claim is made.
No. Your pregnancy will not affect your L&G life insurance premiums. If you buy life insurance while pregnant, the fact you’re expecting a new arrival will make no impact on the price you pay. However, while pregnancy alone will not affect your life insurance premiums, any applicant has to disclose information about their health status, which could theoretically include medical issues related to the pregnancy that may affect the cover we can offer.
We realise that your weight during pregnancy won’t be a fair reflection of your usual weight, so please tell us the weight you were immediately before your pregnancy.
We won’t categorise you as a non-smoker if you’ve only given up smoking since becoming pregnant. To qualify as a non-smoker you need to confirm that during the last 12 months you haven’t done any of the following:
- smoked any cigarettes, this includes cigars, pipe tobacco (including shisha and hookah) and cannabis
- used e-cigarettes or vapes (whether or not they contain nicotine as their impact on health is still undetermined)
- used nicotine replacement products (such as nicotine patches)
That means you'll need to provide your smoking history from before you were pregnant.
We understand that if you’re pregnant, you may have reduced your alcohol intake, either because you’ve been advised to or because you’ve chosen to. Please answer the questions truthfully and accurately based on your circumstances, and we’ll take your pregnancy into account when reviewing your application.
L&G will take into account all medical issues during a life insurance application, whether related to your pregnancy or not, but will consider all applications.
If you already have life insurance and you become pregnant, you are not obliged to disclose your pregnancy to your insurer, and your premiums won’t be affected.
It’s vital to be transparent in your answers to these and any other health questions that may be asked when you apply for life insurance. If you’re later found to have provided inaccurate information, it could mean a claim may not be paid and your policy may be cancelled or amended.
