Life Insurance for an Unborn Baby (Tips to Save)

Life insurance for an unborn baby is not currently available in the US. The earliest you can purchase life insurance for your child is after they are born. Life insurance can be a good investment if your child has a genetic disposition to illnesses that may make it difficult for them to get their own policy later in life. Most life insurance policies for babies are whole life insurance, which means they will cover your child throughout their lifetime.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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  • Life insurance in the US is only available once a child is born
  • Many insurance companies will offer policies specifically for children
  • If your child has a chronic condition purchasing them, life insurance early-on may save them money in the future

Life insurance for babies can seem like a sensitive subject, but in many cases purchasing it can ensure your child has life insurance protection throughout their life, even if their health situation changes as they age.

For this reason, many parents want to insure their children as soon as they can, which raises the question, can you purchase life insurance for an unborn baby?

Keep reading to learn more about the options for purchasing life insurance for your child and how that can benefit them in the long run.

Ready to start searching for a life insurance provider? Enter your ZIP code above, and we will help you jumpstart your search today.

Can I buy life insurance for my child before they are born?

Currently, there are no insurers in the United States that offer life insurance before a child has been born. Based on insurance law, the child must be born to qualify for life insurance coverage.

However, there are many providers who will offer child life insurance policies the moment they are born.

If you have ever shopped for life insurance before, you know that rates are highly dependent on your lifestyle and age.

One of the main reasons that this service is available is that it allows parents to ensure their child will have life insurance protection at a reduced rate, regardless of their health as an adult.

Unhealthy adults can see considerably more expensive rates for life insurance, according to the Insurance Information Institute, so purchasing earlier can be a benefit to your child.

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How much does child life insurance cost?

Insurance for children can be more affordable at the start than adult life insurance, depending on the age of your child and their health situation.

However, as you will need to retain the policy for the entirety of your child’s life, it is more expensive overall.

Many providers will offer coverage to children starting anywhere from $5 to $15, depending on the age and health of your child.

Another thing that can make life insurance more beneficial for children is that many insurers will have no gender bias in their rates.

Generally, insurers will provide women with lower life insurance rates than men.

So, purchasing your son a life insurance policy as a child can help get him a lower rate than he will be able to get, regardless of his health, in adulthood.

Do I need life insurance for my child?

Life insurance for children is a personal choice that really depends on your budget and your child’s situation.

If your child has a possibility of a long-term health condition that may increase their life insurance rates as they age, it may be a great benefit to them to purchase a child life insurance policy.

If your child has little to no genetic predisposition to illnesses that could increase their rates, you may not need to spend the extra money on a policy in their youth.

Instead, you can funnel that money into savings accounts for college or other future endeavors.

Enriching your child’s life comes in many forms, so take the time to research and get quotes from multiple providers before you purchase any life insurance policy for your child.

If you are ready to start looking for life insurance quotes for your child or yourself, enter your ZIP code below to compare life insurance companies near you. We will help you find local life insurance providers that are right for your family.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

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