If my domestic partner gives birth to a child after being artificially inseminated by a donor, can I add a child rider to my policy that covers that child?
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UPDATED: Jul 15, 2021
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You must be the legal parent or guardian of any child you want added as a child rider on your life insurance policy. So if you become an adoptive parent of the child your domestic partner gives birth to or if you are legally named as guardian then you will be able to add a child rider to your life insurance policy. If this is not the case, you may still be able to be the owner of a life insurance policy for the child if you can prove insurable interest. Your insurance company may require legal documents indicating that you have custody of the child in order to allow you as policy owner.