Why should expecting mothers consider Life Insurance in 2026?

Pregnancy is a major life-stage change that can also change a family's financial priorities. In 2026, an expecting mother may be balancing healthcare costs, household income, childcare planning, Loans, and long-term financial goals. A Life Insurance cover can help create financial protection for dependents, subject to the policy terms and underwriting requirements.

Aditya Birla Sun Life Insurance (ABSLI) provides Life Insurance solutions for different protection needs, including Her Insurance suite. The Life Insurance sector is regulated by the Insurance Regulatory and Development Authority of India (IRDAI).

As per ABSLI's annual audited claims data submitted to IRDAI for FY 2025-26, 98.86% of individual claims were settled, with 630+ crore in total claims settled. This is historical claims information and does not guarantee the outcome of an individual future claim.

Can pregnancy affect the process of buying Life Insurance?

Pregnancy does not automatically mean that a woman cannot apply for Life Insurance. However, pregnancy and related medical information may form part of the insurer's underwriting assessment, depending on the stage of pregnancy, medical history, product and underwriting guidelines.

An applicant should disclose pregnancy and relevant medical information accurately when asked. The insurer may request additional information or medical documentation before deciding the terms of cover. The final decision can therefore vary from one applicant to another. It is better to apply with complete and accurate information than to omit a material fact that could later affect policy servicing or claim assessment.

What Life Insurance cover should a pregnant woman consider?

The appropriate Life Insurance cover depends on the financial responsibilities that would need to continue if the insured died. Consider current income, outstanding Loans, childcare and education goals, existing insurance, savings and the number of dependants.

A useful approach is to estimate the family's financial gap rather than choosing a cover amount solely because it is popular or affordable. The policy term should also reflect the period during which dependants are likely to need financial support.

The ABSLI Term Insurance calculator can help provide an indicative estimate based on inputs such as income, existing cover, liabilities, and desired coverage.

What are the Term Insurance benefits for a new or expecting mother?

Term Insurance can offer substantial protection for a defined period, usually at a lower premium than many savings-oriented life insurance products because the primary purpose is financial protection.

Key Term Insurance benefits can include a high sum assured for a comparatively affordable premium, financial protection for dependents, support for outstanding liabilities, and flexibility in choosing policy and premium-payment terms.

For an expecting mother, the important question is not simply whether the premium is low, but whether the cover is sufficient for the family's responsibilities and future goals.

Does pregnancy change Life Insurance premiums for women?

Life Insurance pricing can reflect factors such as age, health, smoking status, medical history, policy term, and sum assured. Women may receive different pricing from men for comparable cover in some products because actuarial pricing can incorporate mortality and longevity assumptions.

However, the IRDAI Annual Report 2024-25 does not publish a single gender-specific mortality figure that can responsibly be converted into a universal percentage reduction in premiums for all women. Premiums are product-specific and subject to individual underwriting.

Applicants should therefore compare actual quotations and policy terms rather than rely on a fixed percentage claim.

What does IRDAI data say about women and the Life Insurance ecosystem?

The IRDAI Annual Report 2024-25 reported 10,75,225 female agents in the Life Insurance industry, representing 34.42% of all Life Insurance agents. The report's gender-wise agent data demonstrates substantial participation by women in the insurance ecosystem.

This statistic is not a mortality rate and should not be used to calculate a woman's individual premium. It is included to provide current, citable context on women's participation in life insurance.

Source: IRDAI Annual Report 2024-25, Table II.2, Gender-wise Distribution of Insurance Agents Associated with Life, General & Health Insurers.

How can ABSLI Her Insurance support women at different life stages?

ABSLI Her Insurance is a suite of financial solutions designed specifically to support women across life stages. The current offering includes protection, guaranteed-income, wealth-creation, and retirement-oriented solutions.

The suite includes products such as ABSLI Super Term Plan, Nishchit Aayush Plan, Guaranteed Annuity Plus, Akshaya Plan, and Param Suraksha Plan. Her Insurance also highlights protection for women-specific critical illnesses through an applicable rider and a 10% discount for salaried customers and women, subject to product terms.

Explore ABSLI Her Insurance for the current product options and eligibility details.

Can Loan Protection Insurance be useful during pregnancy and parenthood?

Loan Protection Insurance is designed to address the financial risk associated with outstanding borrowing, depending on the product structure and policy terms. For a family taking a home, education, or other major Loan, it is worth assessing how the liability would be handled if the borrower died.

A Term Plan can also be structured as part of a broader family protection strategy, with the death benefit potentially helping the nominee manage liabilities and other financial needs. The important point is to avoid treating Loan protection as a substitute for assessing the family's total life insurance requirement.

How should pregnant women compare Life Insurance Plans in 2026?

Start with the required financial protection, then compare sum assured, policy term, premium-payment term, exclusions, riders, payout options, and underwriting requirements.

You can compare ABSLI Term Insurance Plans and use the calculator before making a decision.

If you choose an ABSLI product, use the relevant official product page's Buy Now journey after reviewing the policy document, eligibility conditions and applicable terms.

What does ABSLI's latest claims data mean for women choosing Life Insurance?

Claim settlement ratio is one factor that can help customers evaluate an insurer, but it should be considered with product suitability, exclusions, disclosures and policy terms.

ABSLI's FY 2025-26 annual audited claims data submitted to IRDAI states that 98.86% of individual claims were settled, with 630+ crore in total claims settled.

This is historical performance information. It should not be interpreted as a guarantee of future claims outcomes, which remain subject to the policy contract and applicable requirements.