Life Insurance while pregnant

Yes, you can get life insurance while pregnant.

Life insurance has many benefits:

• Financial security. Life insurance provides financial protection for your family, should the worst happen. It can cover living expenses, childcare, and future education costs for your children.
• Peace of mind. If the unthinkable happens, life insurance will provide cover to help support your family.
• Locking in rates. Applying for life insurance while you're younger and generally healthier could help lock in lower premiums for later in life.

We understand your pregnancy weight is temporary. You're usually asked to confirm your weight when filling out a life insurance application, but that's expected to be your pre-pregnancy weight. Insurers just ask for this information so they can assess your normal, general health.

Insurance companies usually consider your smoking status over at least the last 12 months.

At Aviva, you're considered an 'ex-smoker' if you stop smoking between 12 months and 5 years ago, and a 'non-smoker' if you either stop over 5 years ago or if you've never smoked. Premiums are usually lower for non-smokers, but ex-smokers can expect to pay less than current smokers for life insurance.

When applying for life insurance, you should let your insurer know what your usual alcohol consumption amount is. You may have cut back since finding out that you're pregnant, so this would be your pre-pregnancy alcohol amount.

If you already have a life insurance policy, you don't need to inform your insurer about your pregnancy. Pregnancy does not affect your existing cover or premiums.

If you're ever unsure about the terms of your Aviva policies, you can reach out to us via our contact us page or log into your MyAviva account to find further help and support. Alternatively, you can speak to a financial adviser. If you don't have a financial adviser, you can find one at unbiased.co.uk. Please be aware that you may need to pay for this advice.

Most insurers won't take pregnancy into account and won't increase your premiums, decline or defer an application solely because of pregnancy. 

If you don’t want to get life insurance during your pregnancy, there are some alternatives which could give you some financial peace of mind. Please note, there is no cash-in value at any time with these policies.

• Our income protection plan pays part of your income if you cannot work due to illness or injury. It can be helpful if any complications happen during or after your pregnancy, which affect your ability to work. This article explains more about how our income protection policy works.
• Our Critical Illness Plan pays a lump sum if you are diagnosed with a serious illness, which can help cover medical bills and other expenses. It can also provide cover for children, and some providers include pregnancy complications cover. This article explains more about how our critical illness policy could help to cover you and your loved ones at a difficult time.

We also offer Free Parent Life Cover, which provides £15,000 free life insurance for one year - for each parent with a child under four.

It's worth mentioning that these products aren't replacements for life insurance, as they offer different cover, benefits, and reasons for paying out.