1. COO and Senior Agent, Outlook Life, All 50 States
    No, you cannot get a life insurance policy on an unborn child; babies must usually be 15 days old in order to get their own life insurance policy. If you have a child rider on your own life insurance policy, your baby can automatically be added to the rider.
    Answered on September 12, 2013
  2. Steve SavantPRO
    Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona
    Unborn children are not eligible for life insurance in the traditional way. Life insurance requires basic requirements life a birth date. There may be specialty insurance that covers a variety of unconventional scenarios like Lloyd's of London. Not that Lloyd's would but it's conceivable that some carrier might accept the risk.
    Answered on September 12, 2013

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