Advisor Hub
Helping clients prepare for fertility-related financial shocks.
Welcome to the Fertility Protect™ Advisor Hub. This resource is designed to help financial advisors and insurance agents build more resilient plans for the next generation of clients — a planning conversation that makes life insurance relevant years before the mortgage or the first child.
- Why fertility is an important and growing financial risk for younger consumers
- How Fertility Protect™ works as a planning tool
- How to discuss fertility-related financial shocks in a sensitive, ethical, and engaging way
- Common client questions and suggested responses
Use this page as foundational education, training material, and a conversation guide as you support clients in building more resilient financial plans.
Fertility Protect™ is in development, with carrier pilots in design. This hub is here so you're ready on day one — it's preparation, not a product you can quote yet.
Compliance note
The information below is for educational purposes only and does not constitute legal, tax, or individualized financial advice. Always follow your firm's compliance requirements and product-specific disclosures.
Section 01
The new financial reality of fertility.
Why fertility belongs in financial planning
For many younger consumers, milestones like starting a family are as financially significant as buying a home or retiring. Yet traditional financial planning often overlooks the potential financial shocks associated with fertility, such as:
- Unexpected medical procedures and treatments
- Delays in conceiving that lead to costly interventions
- Time away from work or reduced income during treatment
- Emotional and mental health costs that can influence financial decisions
These shocks can derail savings, increase debt, and create long-term financial stress.
Rising costs and uncertainty
- Fertility diagnostics, medications, and procedures (like IVF) can cost thousands to tens of thousands of dollars per cycle.
- Many health plans offer limited or no fertility benefits, leaving consumers exposed.
- Reproductive decisions may be delayed into later ages due to career, financial, or personal reasons — when medical interventions are more likely to be needed.
For Millennials and Gen Z, fertility risk is no longer theoretical — it's a real, emerging financial exposure.
Why younger clients care
Younger consumers increasingly:
- Value choice and control over when and how to have children
- Are aware of fertility challenges among friends, family, and in the media
- Want holistic financial plans that reflect their life goals, not just numbers
Addressing fertility risk proactively positions you as a forward-thinking advisor who understands modern life and long-term planning.
Section 02
What is Fertility Protect™?
The product you present to clients is a hybrid combination term life insurance policy with fertility protection built in. Your client gets the term life coverage they'd expect (minimum $500,000 face value), plus up to $75,000 toward fertility care — testing, IUI, IVF, medications, and fertility preservation after a cancer diagnosis. It's issued by a licensed carrier, available to clients through age 35 with the fertility benefit running through age 45, and priced as a simple add to the base premium. Fertility Protect™ is the Lotus platform behind it; what you present to clients is the policy.
Core concept
Fertility Protect™ recognizes that fertility-related costs are:
Uncertain
You don't know if or when you'll need them.
Potentially large
High-ticket procedures, often across multiple cycles.
Poorly covered
Typical insurance and savings strategies leave gaps.
Key features
Fertility risk education
Clear explanations of common pathways — diagnostics, IUI, IVF, egg or embryo preservation — and their potential costs.
Scenario planning
Illustrative scenarios showing the financial effects of fertility challenges if unplanned.
Protection & funding options
Integrations with savings strategies, insurance, and other tools that can help offset or manage future costs.
Guided conversations
Talk tracks and resources that help clients make informed, emotionally grounded decisions.
For full product specifications, contact us directly.
Section 03
The financial risks: "unprotected fertility shocks."
What is a "fertility shock"?
A fertility shock is an unexpected event related to fertility or family-building that significantly impacts a client's finances. Examples may include:
- Discovering they need fertility diagnostics and treatment after trying to conceive
- Facing multiple IVF cycles or advanced reproductive technologies
- Choosing to freeze eggs or embryos for future family-building
- Traveling for specialized care or taking unpaid time off work
- Experiencing pregnancy loss or complications that result in added medical and mental health expenses
Without planning, these events can trigger:
- Large, unplanned out-of-pocket expenses
- New or increased debt (personal loans, high-interest credit, etc.)
- Delays in other goals (home purchase, retirement savings, education funding)
Why these shocks are often "unprotected"
Many clients assume "insurance will cover it" or "we'll figure it out if it happens." In reality:
- Many health policies provide limited fertility coverage, if any
- Employer benefits vary widely and can change over time
- Emergency funds are often too small to handle large, repeated procedures
- Emotionally charged decisions may lead to rushed, suboptimal financial choices
Fertility Protect™ encourages clients to recognize these risks and plan ahead in a calm, informed way.
Section 04
How to talk to younger consumers about fertility and money.
Talking about fertility is sensitive. Younger clients may feel vulnerable, hopeful, or anxious. Your role is to normalize the topic, provide education (not pressure), and empower them with options (not fear) — frame it as a planning conversation, not a crisis conversation. One meeting, two protections: classic life coverage plus a defined fertility benefit.
Core communication principles
Principle 01
Lead with empathy
Acknowledge that everyone's path to parenthood is different. Use respectful, client-centered language.
Principle 02
Focus on choice and control
Position Fertility Protect™ as a way to preserve options, not as a prediction that they will struggle.
Principle 03
Be neutral and non-directive
Avoid implying that they must have children, must follow a certain timeline, or must pursue treatment. Emphasize that the plan supports whatever they choose, now or later.
Principle 04
Connect to life goals
Tie fertility planning to things they already care about — career flexibility, travel, relationships, long-term security, and wellbeing.
Sample conversation openers
Sample language to adapt to your voice and your firm's compliance rules.
Starter question (planning-oriented)
"Many people in your age group are starting to think about family-building, even if it's still several years away. Is that something you'd like your financial plan to be prepared for, just in case?"
Normalizing fertility risk
"Some clients discover later on that they need fertility support or treatments, which can be quite expensive if it's not planned for. We don't need to assume that will be your path, but we can build in some protection so that if it happens, it doesn't completely disrupt your other goals."
Emphasizing options, not outcomes
"Planning for fertility doesn't mean deciding right now whether or how you want to have children. It just means keeping your options open and protecting your future self financially."
Language to avoid
- Fear-based statements like "What if you can't have kids?"
- Assumptions: "When you have kids…" or "Of course you want a family."
- Shaming or judgment around age, relationship status, or personal choices.
Conversation Map
Three client conversations Fertility Protect™ unlocks.
The same product engine shows up differently across the clients you serve. Use the framing that fits the seat in front of you.
Multi-generational families
Gift of future fertility
Parents and grandparents already engaged in legacy or juvenile-policy planning.
"You're not just leaving money if something happens — you're helping ensure your child or grandchild can afford to build a family when the time is right."
Where it points → Pair with juvenile WL or multi-gen planning conversations; activates as the child reaches adulthood.
Proactive planners (28–32)
One meeting, two protections
Clients thinking about kids in 3–5 years, freezing eggs, or starting holistic financial planning.
"We can protect your income and the cost of building your family in a single conversation — before the mortgage and the first child make it urgent."
Where it points → Pair with 20–30-year term plus an embedded fertility benefit, priced for early, proactive buyers.
Later-stage wellness planners
Plan-ahead persona, post-35
Sophisticated clients who froze eggs in their 20s, are health-and-longevity maximizers, or are first-time parents later in life.
"You already plan ahead for your health. Let's give your family-building plan the same structure."
Where it points → Pair with WL or longer-term term; aligns with broader health, longevity, and women's financial wellness narratives.
Section 05
Step-by-step guidance for advisors.
01
Understand the client's life vision
Ask open questions: How do you see your life five to ten years from now? Is having children — or possibly freezing eggs/embryos — something you've considered? How important is flexibility and choice around starting a family?
02
Introduce fertility as a financial risk area
Gently connect fertility to financial planning: "Just like we plan for health, disability, and longevity, we can also plan for fertility-related surprises so they're less disruptive."
03
Educate about potential costs (high level)
Without being alarmist, outline that treatments, time off work, travel, and related care can add up quickly. Note that costs are uncertain, often arrive during peak career-building years, and that proactive planning reduces stress.
04
Present Fertility Protect™ as a planning tool
Explain how it fits the broader plan: it doesn't assume they'll need treatment, it protects them financially if they do, and it helps preserve other goals (home, business, retirement) even if fertility shocks occur.
05
Personalize the strategy
Tailor recommendations based on age and health considerations (without giving medical advice), stated goals and timelines, and risk tolerance. Document the discussion and confirm the client understands what's recommended, what the product can and cannot do, and any limitations or exclusions.
Section 06
Common client questions.
Example responses you can adapt. Always tailor to your compliance requirements and product specifics.
Section 07
Best practices for ethical, sensitive conversations.
Seek permission before going deeper
"Would you be open to exploring how your financial plan could support different family-building paths, now or in the future?"
Validate emotions
"This can be a really personal topic. It's completely understandable if it brings up strong feelings. We can go at whatever pace feels right to you."
Respect boundaries
If a client isn't ready to talk about fertility, acknowledge that and offer to revisit the topic later.
Stay in your lane
Don't give medical advice. Encourage clients to speak with healthcare providers for clinical questions and use your expertise for the financial side.
Section 08
Integrating Fertility Protect™ into your practice.
Fertility Protect™ is a natural extension of multi-generational planning. When you're working with a juvenile policy, a grandparent's legacy plan, or an early-career client, bring parents and grandparents into the conversation: a small premium today can help fund the next generation's path to building a family.
When to introduce fertility planning
- Working with clients in their 20s, 30s, or early 40s
- Discussing family goals, timelines, or major life transitions
- Reviewing benefits changes, job transitions, or open enrollment periods
- Conducting comprehensive financial planning reviews
Client segments to consider
Young professionals
Balancing career-building with long-term family goals.
Couples delaying parenthood
Wanting to preserve options later.
Individuals considering solo parenting
Planning for greater financial responsibility.
Incorporating into your service model
- Add fertility risk and Fertility Protect™ to your standard planning checklist.
- Create a short educational one-pager or slide you can share with clients.
- Offer webinars or workshops on modern financial planning that includes fertility.
Section 09
Getting started: a simple 5-step process.
Step 01
Introduce the concept
Explain fertility shocks and why planning ahead matters.
Step 02
Explore goals and timelines
Understand how important family-building is in their broader life plan.
Step 03
Review their current protection
Assess insurance, savings, and employer benefits related to fertility.
Step 04
Design a tailored strategy
Combine education, savings, protection products, and ongoing review.
Step 05
Revisit regularly
Update the plan as their life, health, benefits, and preferences change.
Section 10
Disclaimers and compliance.
- Fertility Protect™ is not a guarantee of medical outcomes or coverage for all fertility-related expenses.
- All financial strategies carry risks and may not be appropriate for every client.
- Clients should consult qualified healthcare professionals for medical advice and licensed tax or legal professionals for those areas of expertise.
- Product availability, terms, and benefits may vary by state, carrier, and individual circumstances.
Customize this section to your jurisdiction and firm policy.
Partner With Us
Bring Fertility Protect™ to your book of younger clients.
If you are an agent or advisor looking to offer fertility protection, get in touch.