Can You Get Life Insurance On A Fetus? 
You can not get a new policy on a child until they are at least 15 days old . You can look at adding a child rider to your life insurance policy as Peggy noted - this will provide term coverage for him/her for a low additional premium -LRB- typically around $ 5 per month per $ 1,000 of coverage -RRB- . Many parents look at purchasing a small whole life policy with a guaranteed insurability rider for their child . Please feel free to contact me for assistance . Thanks very much . 