Life Insurance and Pregnancy: Considerations for the Family, Mother and Newborn

Many parents think of having their first child as a life-changing moment marking a major shift in priorities wherein the well-being of another moves to the forefront of their lives. For some families, the decision to start a family can be a natural starting point for buying a life insurance policy. Life insurance can provide financial security for your remaining family members in the event of an unexpected passing of a family’s wage-earner. While the thought is not a pleasant one, the right insurance policy might provide a measure of comfort to the remaining members of a family.

As with any life insurance decision, buying coverage during pregnancy requires an understanding of what risks the family is protecting against, and how much insurance coverage will provide the family with security against those risks. If you are considering a life insurance policy for the first time, here are some simple guidelines for both expecting parents in getting started:

The considerations in finding the right policy for your circumstance go far beyond the simple considerations above, and we encourage you to research further on LifeInsurance.org and other sites, and consult with a licensed professional.

However, on this page, we want to examine some special circumstances for expecting parents who are considering a policy in conjunction with a planned or expected pregnancy.

Life Insurance for the Mother

There are some deeper considerations and advice specific to purchasing life insurance coverage for the expecting mother. Here are some general pointers if you are in this situation:

Life Insurance for the Newborn

While you may be see solicitations for life insurance for your child or newborn, we do not recommend buying a life insurance policy for a newborn - in most instances. The rationale for newborn life insurance is limited, as life insurance is primarily intended to provide security against the loss of wages in the event of an unintended death. Some companies or agents may pitch child life insurance as an investment vehicle for your child. The rationale against this argument is simply put: there are better mechanisms for investing in your child’s future.

Lastly and most importantly, LifeInsurance.org wishes you our very best, to you and to your family, during the pregnancy and beyond.
As a reminder, while advice is provided on this site, LifeInsurance.org is a consumer resource for informational purposes only and should not replace the advice of a licensed life insurance professional. The specifics of any life insurance should be provided by either your life insurance company of an agent of that company.

Affordable Life Insurance Rates
Are Waiting For You!
Choose Your State

Related Information

Why Have a Life Insurance Policy?

Here are 7 essential reasons for you to have life insurance. Compare term and whole life insurance and find a policy that's right for you and your family.

Read More

Life Insurance Tips and Advice

Here are some tips and advice for buying life insurance from life insurance professionals to help you make a good decision.

Read More

Is Life Insurance Important?

Is life insurance important? Here are nine important reasons why you should consider purchasing a life insurance policy.

Read More

Minimum Age For Life Insurance

There's no real minimum age for life insurance. Shop around to find the right life insurance policy for your needs.

Read More

Life Insurance Advice

New to life insurance? Read on to learn some helpful life insurance advice.

Read More

Who Should Buy Term Life Insurance Policies?

Life insurance pays money to beneficiaries after the death of a policy holder. Who should buy life insurance and how can the benefits be used?

Read More

Your Life Insurance Options as a 55-Year-Old Male

There are several life insurance policy options that are available for 55-year-old males. Learn more and find the best plan for you.

Read More

Here’s Everything You Need to Know About Life Insurance

This primer will help you learn how life insurance works and the different life insurance options you have to choose from.

Read More

5 Reasons You Should Purchase Life Insurance

If anyone depends on you financially, life insurance shouldn't be an afterthought. Here are 5 reasons you should consider purchasing life insurance.

Read More