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Here’s What You Need to Know If You’re Pregnant and Applying for Life Insurance In partnership with Ladder Insurance

This article was written in partnership with Ladder Insurance, your one-stop shop to get the term life insurance coverage you need for those you care about most.

Preparing for the arrival of a new baby is an exciting time often filled with plenty of questions like: “What color should I paint the nursery?” Or “Do I really need a swing AND a bouncy seat?” While we can’t answer if yellow walls keep babies awake or if swinging helps them sleep, we can answer questions you may have about applying for life insurance while pregnant. 

Here are some of the most asked questions from customers who are expecting, and how applying for term life insurance through Ladder can be checked off your list in minutes.

Can I apply for life insurance while I’m pregnant?

It’s a common misconception that you shouldn’t apply for life insurance when you are pregnant. 

Applying for life insurance before your baby is born and your days get busier is a great idea. 

The application process won’t be different just because you’re pregnant. It can take as few as 5 minutes to ensure your family has the protection they need.

Will my life insurance cost more because I’m pregnant?

Ladder understands your body goes through a lot of changes while you are pregnant, and that is not held against you. 

Letting Ladder know you are pregnant helps price your policy accurately. During the application process, questions are asked regarding your pre-pregnancy weight and allow you to make allowances for weight gained during pregnancy. If an exam or lab tests are needed to complete your application, Ladder adjusts the review to accommodate for the changes in blood pressure or lab results that naturally occur during pregnancy. 

If your pregnancy has complications, Ladder works hard with you to gather details to make the best decision on your application.

Do I really need coverage if I don’t earn as much as my partner or if I’m planning to be a stay-at-home parent?

Just because you may not be the primary earner or do not have personal income doesn’t mean you don’t provide financial value to your family. 

If anything happens to you, they can have financial security knowing day-to-day activities like childcare, education, and running a household can be maintained. Becoming a parent is priceless, and life insurance can be a gift to your family during difficult times.

Who should I make my beneficiary and should I include my baby?

Choosing a beneficiary is a matter of personal preference. Many people list their spouse or children; others list a family member that would take care of their children or a legal trust.

Generally, life insurance funds will not be paid directly to a minor. If you are choosing a child, it is important to consider selecting a financial custodian as well. If a custodian is not provided, a probate court assigns a financial guardian until the child is of an age where they can receive the funds. 

The beneficiary choice you make during the application process doesn’t have to be the one you stick with. You can update the beneficiary on your account page if your preferences change.

How can Ladder help?

Ladder offers term life insurance, at a personalized price, that can flex as your family grows. Apply for up to $8 million in coverage, without leaving home. And Ladder has industry-leading customer satisfaction — no surprise, given its fast, online application you can finish in minutes. 

Apply now and find out if you’re instantly approved.
Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers – for further details see  All insurance products are governed by the terms set forth in the applicable insurance policy.  Each insurer has financial responsibility for its own products.