Modernizing life insurance with fertility protection.
Expand coverage, close equity gaps, and reduce out-of-pocket fertility costs — without overhauling your existing benefits.
Exploring fertility coverage for yourself? Start with Why This Matters. An advisor or agent? Visit the Advisor Hub.
The Challenge
A $9 billion market hiding in plain sight.
The fertility-focused life insurance market open to carriers by 2028
Capturing just 1% is a $170M revenue opportunity.
Adults Experience Infertility
A biological reality with no insurance answer.
Paid Out of Pocket
Share of fertility treatment costs paid out of pocket, even when a plan offers some coverage.
Fertility care is excluded from traditional life and health plans, leaving families to absorb the cost of a $9B industry built on reactive, high-cost fertility care. Carriers who move first capture a generation rewriting what coverage means.
What We Cover
Fertility Protect™ — fertility coverage built into life insurance, not bolted on.
Comprehensive Fertility Coverage
Diagnostics, IUI, IVF, medications, and counseling — covered the way other catastrophic care is.
Life Insurance Foundation
Built on top of term and permanent life — the products carriers already sell, regulators already approve.
Cancer Diagnosis Support
Fertility preservation for newly diagnosed cancer patients is built in, not bolted on.
Long-Term Financial Security
The policy includes an option to convert to permanent life coverage after the fertility benefit period ends at age 45 — so the protection grows up with the policyholder.
Portability
The policy belongs to the policyholder — not the employer. It moves with them.
A Blue Ocean Opportunity
Why upgrade to Fertility Protect™.
New Revenue Opportunities
An untapped premium segment among millennial and Gen Z policyholders actively shopping for life coverage.
Competitive Edge
Differentiated product line carriers can market, file, and own — no me-too positioning required.
Quick Market Entry
Months, not years. Modular tech and standardized actuarial inputs accelerate launch.
What Makes Us Different
Built for carriers, engineered for speed.
Data-driven underwriting
Risk modeling tuned for fertility-care utilization, not borrowed from disability tables.
Low-capital market entry
Reinsurance-friendly structure means carriers don't need to fund a new product line from balance sheet.
Lean operations
Designed to fit existing carrier workflows and policy administration processes.
Inclusive underwriting expanding market access
Single parents, same-sex couples, cancer patients — same path to coverage.
Early-mover learning advantage
First carriers shape the actuarial dataset that defines this category.
Anti-selection controls via third-party data
Clinical authorization and intelligence layers prevent over-utilization without restricting access.
The Cost of Financial Sterility
How much does it actually cost to build a family?
We built a calculator that puts a real number on what fertility care costs — and what's missing from current coverage.