How To Get Life Insurance When Pregnant In The UK

Elaine Brookes Steve Case

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 30th April 2024

Life Insurance When Pregnant

Few things in life bring the future into such stark focus as being pregnant. A million different thoughts flood your mind.

What will the future hold? Are you doing everything right? What if something happens? Even before your child is born, you’re planning out years or decades into the future while juggling everything you need to handle in the immediate and near future. 

Somewhere in this cluster of thoughts, you may have one that we can help with. What about life insurance when pregnant?

Life insurance can be an excellent option to help protect your child’s future. Obviously, no one wants to face the prospect of something happening to them while their child is still young. We all want long and happy lives with our offspring. 

Sadly, the truth is that all kinds of things can go wrong. A sudden illness, a car accident, a bad fall—any number of things can cut a life tragically short and leave a family struggling.

Life insurance is quite literally insurance against that happening. If it doesn’t, you’ve successfully led a long and healthy life. If it does, though, at least your family can be secure in your absence.

The question is, are there any differences or challenges you face when trying to get life insurance cover when you’re pregnant? Let’s talk about it.

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Can You Get Life Insurance When You’re Pregnant?

Yes! The process for applying for life insurance cover when you’re pregnant is identical to the process at any other time.

You go through the same application process, answer the same health and lifestyle questions, and have the same sorts of decisions regarding the amount of cover you need and the term you seek.

Can You Get Life Insurance While Pregnant

Pregnancy does tend to alter your lifestyle in several ways. As such, the company you’re applying with will have questions about certain lifestyle factors, and it’s important to answer them both in terms of now as you’re pregnant and before you became pregnant.

For example:

  • If you smoked before you became pregnant and quit the pregnancy, you will still be classified as a smoker. To be considered a non-smoker, you generally need to have gone at least 12 months without using tobacco or nicotine products.
  • When asked for your weight, you will want to provide both your pre-pregnancy and current weights. Insurance providers are aware that pregnancy causes weight gain and that your current weight does not necessarily reflect your overall health. However, it’s still important to have both figures.
  • Alcohol is contraindicated for pregnancy, with good reason. Cutting back or eliminating alcohol consumption during pregnancy is important, but again, you’ll want to answer both previous consumption and current habits. 

There are many more ways that pregnancy can impact your life insurance, so keep reading for our discussion on the topic.

Do You Need to Disclose Your Pregnancy?

Yes. Since life insurance is determined in part by your current health situation, anything that impacts that situation is relevant to the determination.

You will need to disclose that you’re pregnant to the providers you’re applying for cover from. 

You will also need to disclose any other health issues you may have, including health issues that are caused by or relevant to your pregnancy.

Since pregnancy can cause all sorts of changes and problems to your body as you go through the process, these are not uncommon, and they aren’t likely to get you denied cover; however, they can make your policy slightly more expensive until you’ve successfully given birth and pulled through the process. 

Disclose Pregnancy

It’s important to be honest and provide full disclosure here. There’s a negative public perception surrounding life insurance providers, which is that they are constantly looking for reasons to deny claims and that life insurance is somehow a “scam” because of this

The truth is, most insurance providers pay out benefits without issue in the vast majority of cases. With that said however, the single most common reason for life insurance claims to be denied is if the basis for the policy was fraudulent. 

That means if you omit relevant health information – such as your pregnancy is a high risk to your own life – and then you pass, your claim may be denied because you left out that critical information. 

Even if your cover costs more because of the risk you present, it’s still better than having your claim denied. No one wants to suffer such a blow when they’re already suffering from the loss of a loved one or spouse. 

If You Already Have Life Insurance Cover, Do You Need to Do Anything?

No, you’re not required to do anything. If you already have life insurance coverage, the life insurance provider has determined your health and the risk you present to them, and they’ve extended a policy offer to you.

If you then become pregnant, you’re simply living your life. Your insurance provider does not require that you notify them.

With that said, getting pregnant can be a good opportunity to consider reevaluating your current policy. Maybe, when you grow your family, you find that your current amount of cover and the benefits your family would receive upon your passing is not quite enough.

A higher level of cover might be more appropriate for your changing life circumstances, to help maintain your family’s lifestyle in your absence. 

Already Have Cover

You are free to contact your life insurance provider and ask about changing your policy. They may ask you additional questions, such as why you’re considering the change, and you may then need to disclose your pregnancy.

You may also consider cancelling your current coverage and seeking a new policy with a different provider if they offer a better policy for your needs. In this case, you’ll generally need to go through the whole process and disclose your full health information, including your pregnancy, again.

How Does Pregnancy Affect Life Insurance Cover?

If you already have coverage, getting pregnant should not impact your coverage at all.

If you’re applying for cover, pregnancy can impact the quotes you receive. However, it’s not because of the pregnancy itself. It’s actually due to certain health complications you may experience while pregnant.

In fact, the realities of pregnancy are already baked into life insurance cover actuarial tables and calculations simply based on biological sex, marital status, and other basic information.

The specific sort of health problems that impact your life insurance quotes are things like pregnancy-related anaemia, high blood pressure, or gestational diabetes.

These can cause you significant issues while you’re pregnant but often resolve with careful treatment, care, and lifestyle changes during and after pregnancy.

Pregnancy Cover Insurance

Most people’s biggest question when applying for life insurance is how much it will cost. Will being pregnant increase the cost of your life insurance premiums month to month?

Often, the answer is no. If you have specific health issues, your premiums may be slightly higher, but since pregnancy is such a short-term event (when considered against 20, 30, and 40-year terms for life insurance policies, anyway), it’s not going to significantly raise costs. 

In fact, if you have a trouble-free pregnancy with no complications or health issues associated with it, your costs shouldn’t change at all. 

One exception to all of the above is if you’ve had a child before and you had complications during that pregnancy.

This is part of your medical history and is relevant to your future pregnancy. While you’re certain to be getting excellent medical care that proactively watches for such complications, it’s still a risk factor that your life insurance provider will need to calculate.

Is There a Better Time to Apply for Life Insurance Cover?

Since the cost of life insurance premiums can very slightly increase when you’re pregnant if you have health issues related to that pregnancy, is it better to apply for cover at a different time?

The answer is, potentially, yes.

You can apply for life insurance cover before you become pregnant. You are generally not asked whether or not you intend to become pregnant when you’re applying, so your life insurance quotes will generally not be affected by your intent to have a child in the near future. 

You can also apply for life insurance cover in your first trimester. Most pregnancy-related illnesses like gestational diabetes and high blood pressure don’t start showing up until you’re later on in your pregnancy, so you won’t have them in your first trimester, even if you develop them later. 

Apply Cover

Should you wait until you give birth to apply for life insurance cover? Often, the answer here is actually a solid “no.” There are three main reasons for this.

1. If something terrible happens while you’re giving birth and you die in childbirth, then it’s too late to apply for life insurance cover. You’ll leave behind nothing more than your standard estate, which isn’t all that much for many young parents these days.

2. Late-term pregnancy symptoms and post-partum symptoms, like weight gain and lingering high blood pressure, can be factors that increase the costs of your life insurance cover. You may then be better off waiting until these resolve, if they resolve at all, before applying. Unfortunately, that leaves you with months or years without cover that would be a valuable asset to have.

3. Post-partum depression is, unfortunately, a very real and significant cause of other health issues and problems in new parents and is a risk factor that your insurance provider will need to consider.

The earlier you get your cover, the better.

Should You Name Your Child the Beneficiary?

We often talk about life insurance in terms of how flexible it is. You can name virtually anyone as a beneficiary of your policy. That includes parents, a spouse, children, business partners, and even charitable foundations and nonprofit organisations. 

So, is it a good idea to name your child – even if they’re not yet born – as the beneficiary of your policy?

Unfortunately, the answer is often no. Most life insurance firms are not willing to pay out death benefits to a child, especially one well under legal age.

It would be ridiculous to give a newborn a large life insurance payout, and even a child in their teenage years may not be responsible enough to handle the money.

As such, most life insurance providers will put the policy in a probate system, where it ends up being given to a guardian or estate manager to hold onto it and manage it until the child turns 18 or even 21.

In the interim, management fees might apply and reduce the payout, and any interest that could be gained from investing the money won’t apply.

Name Child

Instead, it’s often better to do one of three things. You can make your spouse the beneficiary of the payout, which is usually the best option.

If you pass, they’ll be the ones taking care of the child anyway, so they’ll be the ones who need the money the most. Unfortunately, this doesn’t work out in cases of single parenthood for any reason.

The second option is to designate a guardian for your child and assign them to be the beneficiary. This guardian could be a sibling, parent, cousin, or good friend. 

The third option would be a trust or custodian set up specifically for investing and managing the benefit for the child’s good until they turn of age to receive it. 

Of course, you have the choice. However, it’s not a good idea to assign your child as the beneficiary until they’re old enough to receive the money without complications.

Where is the Best Place to Get Life Insurance Cover While Pregnant?

There is no one answer to this question. Your individual health and lifestyle factors will significantly affect how each insurance provider offers you coverage. 

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Fortunately, there’s one great way to apply that can get you numerous quotes all at once so you can compare them directly and pick the best policy for you and your family. That’s by using our quote generator.

Simply click that link and fill out a quick form, and we’ll refer your information to all of the UK’s best insurance providers.

They’ll evaluate your situation and offer you a quote in minutes, and you’ll have cover up and running in no time.