Best Life Insurance once you have had a babyLife Assurance - after you have had a Baby


Life Assurance  once you have a Baby

If you are pregnant or have just given birth to a baby, wether married or not - you probably have other many things on your mind & time poor than thinking about getting a Life Insurance policy. However, being a parent having loving responsibilities means you should now consider looking at the peace of mind Life Insurance or Critical Illness may do to help protect your new born child, each other & family now you have one.

How much Life Insurance do you need - when you have a Baby ?

There is no set formula, as each family situation is different. But maybe consider 3 things: Repay a Mortgage, Loan or other debts if you have any. Income to help cover all ongoing monthly bills & expenses. Lump sum backup for say your child future educational needs or holidays etc; Various UK Newspapers state that raising a child in the UK may now cost over £100,000 during your lifetime.     

Life Insurance - Pregnancy Complications during Birth ?

As Insurance is based upon risk - Insurers will usually ask if when you were pregnant & if there are any associated health complications due to your being pregnant. If there are, they may delay offering cover until you have given birth or the health issues are now resolved.

Life Insurance & Pregnancy Weight / Post Pregnancy Weight ?

Do Insurers ask what your weight is during or after pregnancy ? It will naturally rise from month 1 onwards until birth so most Insurers may usually ask what your pre-pregnancy or pre-pregnancy weight was - rather than specifically during the actual pregnancy. But also if there are any associated health complications, if you are overweight. If there are BMI issues - they may be offering medically rated cover terms....Or could delay cover until you have given birth.

Can I buy a Life Insurance Policy once we have a Baby - if not married ?

Yes - UK Insurance rules state there must be an insurable interest between a girlfriend & partner to arrange a life insurance policy. You can always arrange a single policy. Also both parties must consent to this arrangement. You don't have to be married to get a life insurance on someone.

Can I get a Life Insurance on my Wife/Girlfriend without her knowing ?

No - both parties must consent to this arrangement to life insurance, once you have a baby ie; you cannot just apply on their behalf without their knowledge.

Can I put my Pregnant Partner on my Life Insurance Policy ?

As above - UK Insurance rules state there must be an insurable interest between yourself and girlfriend to add her to your life insurance policy ie; if you have a baby together that is Ok.

Can my New Born Baby be my Life Insurance Beneficiary ?

Yes they can - if you wish to. Either you or your partner can own seperate or joint life insurance plans directly; [ see comments above re Insurable interest ]. Note however if you split up though this can cause issues with the insurer having to undue this arrangement & may require additional legal costs by you seeking specialist advice. The alternative is to put the policy into trust for your new born baby or babies as the beneficiary.

Who should be a Trustee on my Life Insurance Policy for a New Born Baby?

If you put the policy into trust where your Girlfriend is either one of, or the sole beneficiary. Either she can be sole Trustee or have 2 Trustees ideally. Note again, if you split up though this can cause issues with the insurer having to undue this arrangement & may require additional legal costs by you seeking specialist advice. 

When you have a baby - wether being a married couple, in a relationship or common law marriage means you may not appreciate the implications for Insurance. Likewise the various challenges that may come looking after loved ones if they are critically ill or die; Let trying to get life insurance hopefully not be another great challenge. Either way please approach us for friendly Professional Help.


MORTGAGE PROTECTION - When you have a Baby

Designed to cover a repayment mortgage on death or critical illness as it decreases during the plan term.

LIFE INSURANCE - When you have a Baby

Offering a family protection lump sum if the policy holder dies or is diagnosed with a terminal illness during the term or whole lifecover. Policies can be made joint or seperate.


Offering family protection via an income if the policy holder dies or is diagnosed with a terminal illness during the term or whole lifecover. 

                                                                   Life Insurance Plans - When you have a Baby


Helps ease financial worries if you are diagnosed with a critical illness as specified by the  Insurance Company. 


Helps ease financial worries if your baby child once born is diagnosed with a critical illness as specified by the Insurance Company. You can look to take out this policy whilst pregnant.

INCOME PROTECTION -- When you have a Baby

Providing security by way of an income if you are off sick or have an accident. 

Compare - Best Life Insurance Deals - When you have a Baby

Compare Life Assurance Cover - When you have Babies

Best Life Assurance if you have had a babyLife Insurance Policy Quotes - after you have had a Baby

Why are you comparing ~ Life Insurance Cover when you have a Baby ?

Babies and Life Insurance - Review 


Broker advice comparing Life Insurance Quotes - When you have had a Baby



 Life Insurance Underwriting for when you have a Baby- get Quotes
Life Assurance - after you have a Baby

 Life Insurance
When you have Baby 




Income Protection
Critical Illness
Life Insurance Quote
Term Life Cover QUOTE
Buying Life Insurance - FAQ
Over 50 - Whole Life Insurance QUOTE
Over 50 - Term Life Cover QUOTE
Over 40 - Life Insurance QUOTE
Life Insurance is a Waste of Money
How many Life Insurance can I have ?
What are the 3 types of Life Insurance
Is Life Insurance Worth Getting ?
Family Income Benefit Insurance - FAQ
Business Protection - FAQ
Small Business Insurance QUOTE
Health Underwriting Problems - FAQ
Top 10 Tips Life Insurances
Mortgage Protection
Compare Insurer


Linkedin Martyn Spencer Calculate Button 1 Broker Help ~ Life Insurance Cover Quotes Insurance Take Care of YourselfGreat Ormond Street Charity FundraiserUk Life Insurance Quotes 2020

This website is intended for UK consumers & any information contained therein is for Generic Guidance only and is not to be construed as advice. 
For protection we offer products based on a fair and personal analysis

By completing one of our no obligation quotation request forms, you may be provided with comparison protection quotes, key facts from leading Providers - based just on the basic information you have provided. Note: These quotes will not take account of any personal, health or lifestyle issues unless a full application is completed. You also consent for us to then kindly contact you by phone - where we may offer Professional Broker help & guidance if needed. We may as appropriate then help to arrange a suitable protection policy based upon your own circumstances & needs after a further review by "advice & recommendation". This will usually be on a non face to face basis. ‘As with all insurance policies, conditions and exclusions will apply’

 For products with an investment element we will introduce you to an authorised adviser. We act as introducers for Accident, Sickness and Unemployment and Mortgage Payment Protection Insurance plans. We may also introduce you to other selected professional partners for other protection or legal products as deemed appropriate. Online Dispute Resolution (ODR) - Financial Ombudsman. We nominate to fundraise for Great Ormond Street Hospital Charity.

UK Life Insurance Quotes is a trading style of Martyn Spencer which is an appointed representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority FCA. FCA Register No: 416331

Secure Data Protection Here at Uk Life Insurance Quotes we take your privacy seriously. Subject to GDPR rules 2018 - We will only use your personal details provided to help provide & arrange the various products & services you have requested via us as brokers. We are registered to comply with the GDPR / Personal information is secure online, not misused or sent via spam. T&C:Cookies   
* Note: re any 3'rd Party Website links - You are now leaving the regulated site of Uk Life Insurance Quotes.
Neither ourselves, nor
Stonebridge Mortgage Solutions Ltd, is responsible for the accuracy of the information contained within the linked site. 
Uk Life Insurance Quotes 2022
Broker Registered Office: Clyde Cottages Stafford ST20 0BU