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Life insurance could be a great way to help protect your new child, whether you’re planning on getting pregnant or are already pregnant. While the best time to apply for the policy is beforehand, getting a policy while pregnant is almost as easy as getting one when not pregnant. This article will talk about how getting life insurance works, discuss the best time to buy your policy, and explore a few life insurance options for pregnant women.
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People who are pregnant can still qualify for life insurance. Pregnancy is technically considered a medical condition by insurers, so you may pay higher premiums, but it will not necessarily impact your approval chances.1 Aflac offers life insurance that can help provide financial security for your child and family while you're pregnant and preparing for your child's arrival.
When getting life insurance, you will most likley have to disclose your pregnancy during the medical questionnaire and exam. If you apply for a no-exam policy, disclose your pregnancy on the application. If you don’t disclose your pregnancy, this could cause the insurer to deny your beneficiary’s claim if you pass away during the policy’s contestability period.
The best time to get life insurance is before you get pregnant. Insurers may, but not always, offer premiums within your budget since they consider pregnancy a health condition for underwriting purposes.
If you are already pregnant, getting life insurance during the first trimester can help ensure your coverage is approved and be in effect by the time the baby arrives. That way, you are not lacking coverage once the baby is born.
Your premiums typically will not increase if you get pregnant after applying for a life insurance policy. Getting a policy while pregnant does not automatically result in higher premiums. However, complications or signs of a high-risk pregnancy may result in higher premiums.2 Therefore, shopping around is vital. It allows you to compare insurance rates so you can get the most reasonable rate.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedSome life insurance policy types to consider when you’re pregnant include:
A term life insurance can cover you for a period that normally ranges from 10 to 30 years. With this policy, you get to choose the term length. If the policy expires, you will most likely have to renew it or get a new policy to continue coverage. Fortunately, premiums are typically reasonable compared to the death benefit.3 As a result, term life insurance can work well if you need to keep costs within your budget and only need coverage until your new child becomes an adult. Aflac offers term life insurance with various term lengths and death benefit amounts to fit most of your needs and budget.
A whole life insurance plan is permanent life insurance, meaning it can offer lifelong coverage and a cash value growth component.3 Premiums typically cost more than those for term life insurance. Each premium payment can help grow the cash value, which grows tax-deferred at fixed interest. Once you accumulate enough cash value, you can borrow against it or withdraw from it. You can get your cash value minus surrender charges if you surrender your policy. Aflac’s whole life insurance could help you protect your new family member throughout your lifetime and build cash value that you may be able to use to help meet your long-term financial goals.
Universal life insurance can offer lifelong coverage and cash value, like whole life insurance, but premiums tend to be more cost-effective.4 Plus, you can change your premiums and death benefit within specific limits.
Reducing your premiums may lower your death benefit. On the other hand, raising your death benefit can increase your premiums. This flexibility can be helpful during and after pregnancy. If you run into financial worries as your child grows, you can reduce your premiums as necessary. Then, if your long-term goals and obligations increase, you can pay more to increase your death benefit.
Guaranteed issue life insurance is a small permanent policy that doesn’t require a medical exam. Death benefits are small, but premiums are generally reasonable, and approval is typically guaranteed. A lack of a medical exam can make the process take less time, helping you get coverage for your new child right away. Guaranteed issue life insurance also comes with cash value that works the same way as traditional whole life insurance.
Many guaranteed issue life insurance policies have two to three-year waiting periods. If you pass away during the waiting period, your beneficiaries may receive a refund of premiums or a reduced benefit instead of the full death benefit, depending on the cause of death and the policy terms.4 If you need a smaller policy and want to skip the medical exam, Aflac may be able to help you get a guaranteed issue life insurance policy.
Many pregnant people name their partners as beneficiaries. That way, their partner can use the funds to help cover living expenses and care for the child if the policyholder passes away. You are able to name children as beneficiaries, but it comes with its own rules. Some people may use an irrevocable life insurance trust (ILIT) and name their children as the trust's beneficiaries. This option may help ensure the death benefit is distributed according to the terms of the trust, which can be useful when beneficiaries are minors.5
If you plan on starting a family or having another child, the best time to get life insurance is before pregnancy. This will allow you to lock in competitive rates and help ensure you have coverage when your child is born.
However, people who are pregnant can get life insurance almost as easily as people who aren’t pregnant. If you’re already pregnant, it’s important to shop around and disclose your pregnancy during the questionnaire or exam.
Aflac offers several excellent life insurance policies for people who are or plan to become pregnant. Speak with an agent today to explore your life insurance options and get a quote.
Get Started
Life insurance costs vary based on many factors. Learn how much life insurance is on average and what affects the cost to decide on a life insurance plan.
Guaranteed issue life insurance doesn’t require health questions or a medical exam. Find out if guaranteed life insurance is right for you or a loved one.
Life insurance costs vary based on many factors. Learn how much life insurance is on average and what affects the cost to decide on a life insurance plan.
Guaranteed issue life insurance doesn’t require health questions or a medical exam. Find out if guaranteed life insurance is right for you or a loved one.
1 US News & World Report – Life Insurance While Pregnant. Updated October 1, 2026. https://www.usnews.com/insurance/life-insurance/buying-life-insurance-while-pregnant. Accessed October 5, 2026.
2 Forbes – Term vs. Whole Life Insurance. Published February 20, 2025. https://www.forbes.com/advisor/life-insurance/comparing-term-life-vs-whole-life-insurance/. Accessed October 5, 2026.
3 Forbes – Whole Life vs. Universal Life Insurance. Published April 25, 2025. https://www.forbes.com/advisor/life-insurance/whole-life-vs-universal-life-insurance/. Accessed October 5, 2026.
4 NerdWallet – Guaranteed Issue Life Insurance: Is It Worth It? Updated August 13, 2026. https://www.nerdwallet.com/insurance/life/learn/guaranteed-issue-life-insurance. Accessed October 5, 2026.
5 Insurance Geek – Life Insurance Beneficiary. Updated July 9, 2026. https://www.moneygeek.com/insurance/life/types/. Accessed October 28, 2026.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent/producer.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Aflac life plans – A68000 series/Term Life: In Arkansas, Idaho, Oklahoma, Oregon, Texas, Pennsylvania & Virginia, Policies: ICC1368200, ICC1368300, ICC1368400. In Delaware, Policies A68200, A68300 & A68400. In New York, Policies NY68200, NY68300 and NY68400. Whole Life: In Arkansas, Idaho, Oklahoma, Oregon, Texas, Pennsylvania & Virginia, Policies: ICC1368100. In Delaware, Policy A68100. In New York, Policy NYR68100. B60000/Term Life: In Arkansas, Oklahoma, Pennsylvania, Texas & Virginia, Policies ICC18B60200, ICC18B60300, & ICC18B60400. Not available in Delaware, Idaho, New York and Oregon. Whole Life: In Arkansas, Oklahoma, Pennsylvania, Texas & Virginia, Policies: ICC18B60C10, ICC18B60100. Not available in Delaware, Idaho, New York and Oregon. Q60000 series/Term Life: In Arkansas, Idaho, Oklahoma, Oregon, Pennsylvania & Texas, Policy ICC18Q60200M. In Delaware, Policy Q60200M. In New York, Policy: NYQ60200M. Not available in Virginia. Whole Life: In Arkansas, Delaware & Oregon Policy Q60100M. In Idaho, Policy Q60100MID. In Oklahoma, Policy Q60100MOK. In New York, Policy: NYQ60100M. Not available in Virginia.
Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
In AR, DE, ID, OK and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. Not available in NY.
Coverage/plan levels may not be available in all states, including but not limited to NM or VT. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
Aflac does not offer universal life insurance.
Aflac WWHQ | Tier One | 1932 Wynnton Road | Columbus, GA 31999
Aflac New York | 22 Corporate Woods Boulevard, Suite 2 | Albany, NY 12211
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