Fetal life insurance

Fetal life insurance is a specialized form of child life insurance that covers an unborn child during pregnancy, typically starting from the 20th to 25th week of gestation. U.S.

Insurers such as Gerber Life and Globe Life offer fetal life riders as add-ons to existing policies, with coverage amounts ranging from $5,000 to $50,000. Most policies require the mother to be between ages 18 and 40 and in good health at application time, as conveyed by YourInsurance.info.

Fetal life insurance pays out a death benefit if the fetus dies after reaching policy eligibility (usually post-viability), but before birth or shortly thereafter. Premiums for fetal life riders average $1–$3 per month per $1,000 of coverage according to industry data from LIMRA’s 2022 report.

Covered causes of loss include stillbirth due to complications like placental abruption or congenital disorders confirmed by medical records. Exclusions commonly cited by providers include elective abortion, maternal substance abuse, or fraud on applications.

Claims must be filed within a set period–typically within 30 days–with supporting documentation such as hospital records and death certificates required for payout approval.