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Life Insurance For Pregnant Women Today

Congratulations!  Your a newly pregnant woman!

Oops… I just realized I am starting or adding to my family and have no life insurance on myself.  This is an all to common scenario we hear from women.

Relax and don’t worry, ITQ can help.

How Life Insurance Companies Look At Pregnant Women


Little boy hugging his mother belly.

Life Insurance For Pregnant Women Today Is So Important

Insurance companies assess risk prior to making offers of life insurance for pregnant women.  The lower the risk, the better the offer will be.  The risk of passing away due to complications of pregnancy have decreased dramatically during the 20th century.  The maternal mortality rate  is highest for women over age 40.

The majority of women will have “Normal” pregnancies and be likely issued at Standard rates for life insurance.  However, special questions do arise from underwriters when applicants are pregnant.

Pregnancy Underwriting Questions

What is “Normal” or “Expected” For Pregnant Women To Get Life Insurance?

It is normal during pregnancy for a woman’s weight, shape, and posture to change.   A 15-40 lb. is typical, but quite variable.  In addition, there are changes to her laboratory profiles and physical exam.  There is also an increase to total blood volume and several blood values drop.  Women also start taking iron and vitamin supplementation during pregnancy.   Some women complain of nausea, vomiting, pigment changes, stretch marks, edema, frequent urination, body aches, hemorrhoids, fatigue, vaginal discharge, shortness of breath and heartburn during pregnancy.  Insurance companies understand all that is “Normal” and will take that into account when reviewing a pregnant woman’s life insurance case.  Life insurance for pregnant women is more common than you may think.

(It is special to note that thyroid function tests and liver function tests should NOT change during pregnancy.)

Does A Pre-Existing Medical Condition Hinder Life Insurance For A Pregnant Woman?

Any medical condition  may be present during pregnancy, ranging from asthma to seizures to most others, and each may require special medical attention.  It is impossible to list and review all possible interactions between pre-existing medical conditions and pregnancy, but some may be dangerous (Such as valvular heart disease, renal failure, uncontrolled hypertension, uncontrolled diabetes,  and clotting disorders).  The best course of action here is for the insurance company to review an attending physician statement or review your medical records for specifics.  We know at ITQ (InsureTheQueen.com) which insurance carriers are more lenient than others when it comes to certain pre-existing medical conditions and ultimately obtaining life insurance for pregnant women.  Read this article for further understanding about how we place cases: 10 Reasons Why Women Should Trust ITQ For Getting High Risk Life Insurance Applications Approved 

Do you have a pregnancy-related condition that points to an increased risk either during pregnancy or later in life?

Examples of common pregnancy-related conditions:

  • Gestational Diabetes: This glucose impairment can first appear during pregnancy and may disappear after delivery.  But there is a future risk for type 2 diabetes later in life.
  • Pregnancy Induced Hypertension: Produces dangerously high blood pressures during pregnancy and increases risk of later in life developing chronic hypertension.
  • HELLP:   A complex that includes hemolysis, dropping platelets, and elevated liver enzymes.
  • AFLP: Acute fatty liver of pregnancy

More common examples of a High Risk Pregnancy:

  • Multiple Gestation: i.e. twins, triplets etc..
  • Very young or old mother (Maternal Age)
  • Extreme maternal weight
  • Smoking or substance abuse before and during pregnancy
  • Previous Caesarian Section
  • Placenta Previa
  • Preterm labor
  • Premature rupture of membranes and so on.

Bottom Line

Normal pregnancies present little mortality risk and, if there are no other medical impairments, then most cases will be issued at Standard rates.  Other cases are given individual consideration and may be subject to review of medical records.  However, you can be rest assured that at ITQ we will do everything in our power to secure life insurance for pregnant women.


For more information about Life Insurance For Pregnant Women or to obtain a no obligation and hassle free quote…please feel free to give us a call at  (619) 933-0736.  We are happy to assist.

*Written by Ellen Edwards. InsureTheQueen.com and its representatives do not give medical, legal, or tax advice. Please consult your own physician, legal or tax adviser.




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Ellen Edwards

Independent Life Insurance Agent at EM Insurance Services
Ellen Edwards is the owner of EM Insurance Services, an online life insurance agency. She is also the creator and lead blog writer of InsureTheQueen.com. You can find her on Google +, Twitter, and LinkedIn. Over the past 7 years, Ellen has successfully consulted individuals across the United States regarding their insurance needs. She is a proud single mom to two daughters and a son.

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