I'm pregnant — should we review our protection?
It is a sensible time. A baby means someone will rely on you for many years, and household costs and income may change around parental leave. You may want more life or critical illness cover, a longer term, income protection, and policies in trust with the right beneficiaries.
Applying while pregnant
Some insurers postpone or ask extra questions about pregnancy-related conditions. Ask your adviser how this affects new applications.
Existing cover
Your current policies continue as normal. Check what children's cover may already be included.
Parental leave
Check how leave affects any income protection benefit and keep premiums paid.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026