Pregnancy is often when people start thinking about life insurance. You’re soon to have a direct dependant and you want to put everything in place to give them the best life possible.
Life insurance plays a part in that, offering financial support to your child should the worst happen.
Yes, being pregnant doesn’t prevent you from getting life insurance, including with Post Office. In fact, when you get a life insurance quote with us, we don’t ask whether you’re pregnant or not.
We do, however, ask some questions about your health. We need to make sure our cover is suitable for you and while we don’t automatically disqualify people with pre-existing conditions, there are certain conditions that we can’t cover in all cases.
In short, there are some things that can prevent you from getting a life insurance policy with Post Office, but being pregnant isn’t one of them.
No one likes to think about their child growing up without them. Sadly, as we all know, tragedy can strike any family.
If you were to pass away, think about the impact it would have on your child’s other parent and the rest of your family. Would there be financial challenges in raising your child without you? Would combined household earnings take a hit? Would they want some additional help from a nanny or au pair?
No amount of money will replace you, but leaving behind some financial support can make things a little easier.
Being pregnant doesn’t impact premiums with Post Office Life Insurance. What may impact your premiums, or your eligibility to get a policy, is if you have any complications from pregnancy.
We can’t explain how every medical complication can impact premiums in this article, as there are too many variables. But getting a quote online is easy. It only takes a matter of minutes.
Yes, this is really important. While it might be tempting to leave things out that you don’t think are relevant, your medical records will be checked when a claim is made. If you’ve not been truthful when taking out a policy, your claim will be rejected.
To be clear, 99.1% of life insurance claims were paid in 2024 by Scottish Friendly, the underwriter that provides Post Office Life Insurance. Insurance providers don’t try to avoid paying valid claims. But, of the small portion of claims that are rejected, it can often be due to misrepresenting information.
If your claim is rejected, you will have paid monthly premiums for nothing, and your family won’t be left with the financial security you wanted to leave behind.
No, if you already have a life insurance policy with Post Office, you don’t have to tell us if you become pregnant. It doesn’t change anything. If you were to pass away due to pregnancy complications, your loved ones would receive the payout that you signed up for when you took out a policy.
Children’s cover is a type of insurance which can be added on to life insurance policies. It gives you financial support if your child develops a critical illness listed below. This can help you with things like transport costs for medical appointments, home alterations and adjusting work patterns to provide more care.
It also provides financial assistance should your child pass away within 90 days of an accident. This helps you cover funeral costs and can give your family some financial breathing room if you want to take time to grieve.
Post Office Life Insurance offers children’s cover as an optional add-on and covers the following illnesses and injuries:
Children’s cover has a minimum value of £10,000 and a maximum value of £30,000.
Post Office Life Insurance serves over 140,000 UK customers, with a variety of policies available to suit different goals. Here are just some of the key features:
2 Service separate from the policy contract. It may be withdrawn at any time.
Very easy. You can do so online or over the phone. It usually takes a matter of minutes.
Yes, if your partner is dealing with carrying your baby right now and doesn’t have time for admin, you can take out a policy on their behalf. You’ll need to know their details, but getting a quote is quick and easy online or over the phone.
Choose between level, decreasing or increasing term insurance, each designed to offer you peace of mind based on your circumstances.
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