Yes. You can apply while pregnant. It is easier with no problems in the pregnancy, and some insurers may wait until after birth if you are in the third trimester.
Policygenius says you will not be turned down just for being pregnant. But some insurers may put your application on hold to get a clear picture of your health.
Problems in the pregnancy can raise the price or delay things. Examples are gestational diabetes and preeclampsia.
Weight can matter. Policygenius says most insurers use your weight before pregnancy. Keep a record of it.
You must tell the insurer you are pregnant. Hiding it can lead to a canceled policy or a denied claim. If you get pregnant after your policy starts, you do not need to tell them.
Apply soon. Policygenius says it can take four to six weeks. Group life at work is another option, and Texas says it usually has no health questions.
More questions
Do I have to tell the insurer I am pregnant?
Yes, if you are applying. Most insurers ask. If you already have a policy, you do not need to tell them.
Should my partner who stays home get coverage too?
Think about it. Oklahoma says if a stay at home partner dies, the family may have to pay for child care, cooking, and cleaning.
Words to know
- Group life
- Life insurance offered by an employer or group to its members. You usually don't have to answer health questions, and coverage often ends when you leave.
