I am not aware of any carrier that will issue a life insurance policy to a pregnant female. There are many risk factors to consider which make it impossible to properly price the risk of a life insurance policy on a woman that is pregnant.
Every carrier I am aware of will not consider an application until the pregnancy has ended and the woman has been released from her doctor's care.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
It's going to depend on what trimester of pregnancy the person is in. Usually the first two trimesters it is not a problem as long as there is a good record of prenatal care and things are considered to be a "normal" pregnancy. The third trimester can be a bit dicey as the closer the potential insured gets to delivery, the more a insurance carrier will want to wait.
Your chances are pretty good if you are maintaing good health during the pregnancy and under a doctor's care. Expect underwriting to go a bit longer than usual as doctor's records will be asked for.
Just don't put it off till the third trimester if it is something you need to do.
If applying for a simplified issue policy that does not require exam, there are some carriers that will allow a woman to easily obtain life insurance while pregnant. However, she must be able to answer "no" to the question asking if surgery or hospitalization is anticipated for the near future.
.JPG){kind=avatar}
Every carrier I am aware of will not consider an application until the pregnancy has ended and the woman has been released from her doctor's care.
Your chances are pretty good if you are maintaing good health during the pregnancy and under a doctor's care. Expect underwriting to go a bit longer than usual as doctor's records will be asked for.
Just don't put it off till the third trimester if it is something you need to do.