Lotus is leading a paradigm shift.
Fertility has been miscategorized for too long — treated as a women's health issue, a side benefit, a private struggle. In reality, it's a financial event, a household decision, a generational force. It affects men and women, balance sheets and birth rates, the families people build and the ones they don't.
We're building the company that treats it that way.
What We're Realigning
Three shifts the fertility and life-insurance industries have been waiting for.
Reactive → Proactive
Infertility is a treatable disease that affects 1 in 6 people — not an elective procedure. We design for prevention, not just intervention.
Misaligned → Aligned
Today's system profits when claims get expensive. Our model only works when fewer families ever reach the costliest part of the journey — so our incentives finally point the same way as theirs.
Death benefit → Life benefit
Life insurance reanimated as a living, family-building product — relevant 10–15 years earlier than a traditional term sale.
From the Founder
A few years ago, I found myself exploring fertility preservation options. However, I was discouraged by the limited choices and lack of coverage provided by my employer and insurance provider. At the same time, I was spending thousands of dollars in out-of-pocket expenses for fertility care, leading me to question why this wasn't considered part of healthcare.
Why is fertility care often separated from overall health? The unfortunate truth is that our healthcare system isn't designed around the female anatomy. As a result, conditions and diseases that disproportionately affect women are under-researched and overlooked. This leaves women and their families bearing an unfair burden of out-of-pocket healthcare expenses, placing women at an economic disadvantage for a significant part of their lives.
This experience sparked a question: how is it that there's this massive gap in the market for one of the most significant life events that a person can plan for?
Motivated by this curiosity, I founded Lotus Fertility Insurance. We're on a mission to create a new insurance product designed for fertility, addressing a pressing need in today's market.
— Cally Myhrum, Founder & CEO
Our Values
Four principles that shape every decision we make.
Education
We believe knowledge is power. Our commitment is to translate complex information into clear, accessible insights that help our customers and our team make informed decisions. We foster a culture of continuous learning and curiosity, where asking questions is encouraged and knowledge is shared openly to challenge the status quo.
Empathy
We lead with compassion, always centering the human experience in our work. For our customers, this means meeting them where they are with understanding and unwavering support. Internally, it means cultivating a community of trust and psychological safety, where every voice is valued and we can be authentic with one another.
Empowerment
We are here to build agency. Our goal is to dismantle systemic barriers and create pathways that give people genuine control over their health and futures. By making resources, support, and financial tools accessible, we empower individuals to navigate their journeys with confidence and choice.
Enthusiasm
We approach our mission with a bold and resilient optimism. It's the belief in a better way that fuels our passion, keeps us adaptable, and makes us unafraid to challenge an entire industry.
Advisors & Partners
In good company.
Actuarial Advisor
Actuary & Reinsurance Advisor
Insurance Advisor
Underwriting Advisor
Advisor