Yes, pregnancy may affect your ability to qualify for life insurance coverage.
If
you are in the third trimester of your pregnancy, most medically underwritten life insurance carriers will ask you to postpone applying for your life insurance policy until after the
birth of your baby.
Some No Exam life insurance policies may accept an application into the
third trimester as long as the weight and other guidelines are met.
In the first
two trimesters of your pregnancy, it varies between life insurance carriers, but you should be able
to find a life insurance company that will cover you with little affect on your premiums. When you are pregnant, there is a possibility something may happen during pregnancy or during the birth which may result in a higher risk of mortality.
Since pregnancy creates a risk for the mother-to-be, the insurance companies may or may not accept an application for life insurance while you are pregnant. However, after giving birth, there should not be a problem with qualifying for life insurance coverage.
