Should I get life insurance before or after having a baby?

Question

Taylor Langlois · Accepted Answer

Before, honestly. Get it locked in while you're pregnant if you can, rates are based on your health at the time you apply and a lot of new moms end up dealing with stuff postpartum that can complicate underwriting or bump up your premium. Waiting until after the baby's here also just means one more thing on your plate during a chaotic few months. If you want to run numbers before the due date I can get you quotes nice and quick.

Answered by Taylor Langlois on September 3, 2026

Agent Licensed in KS

Answered by Taylor Langlois Life Insurance Agent

Chauncey Quinn · Answer

After the baby has been born is the best time to seek life insurance coverage.  Make sure to reach out to a life insurance agent to review the various coverages available to your newborn.

Ray McCauley · Answer

before. That way there is money set aside for the child’s future if you die before, it is born also you’ll walk in your age a year sooner, which will lower your rate than waiting

Hector Vazquez · Answer

Birthing a child in itself doesn’t prevent getting insurance nor should affect premium or create extra underwriting. So long as you are healthy, if conditions are developed during pregnancy these could create underwriting questions.

I’d say the earlier the better, pregnant or not.

Should I get life insurance before or after having a baby?

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Should I get life insurance before or after having a baby?

Agents: Share Your Expertise

Seniors: Ask a Question of Your Own

Related Questions

Agent Locator

Life Agents HubA non-government resource website

Life Agents Hub
A non-government resource website