For Carriers
Fertility protection that makes life insurance newly relevant.
Lotus helps carriers embed configurable fertility protection into existing life products — unlocking demand from younger and multi-generational customers while staying within the risk and distribution frameworks you already trust.
A Configurable Engine
Not a one-off product. A platform that flexes to your portfolio.
Same core ingredients — underwriting logic, regulatory framework, reinsurance support — expressed through different product shapes that fit where you already have traction.
Configurable engine
Plug Lotus into term, whole life, or juvenile products and tune it to your segments and channels.
Distribution-first design
We start where you're already strong — career agents, independent advisors, worksite, association, or juvenile — and configure Lotus to make those channels more productive.
Multi-generational fit
Enable parents and grandparents to gift future fertility, while giving younger adults a compelling reason to buy life insurance earlier.
De-risked implementation
Underwriting that fits your workflows, a clear regulatory path, reinsurance support, and pilot-oriented rollouts with defined KPIs.
The Dual Opportunity
Term life is losing the under-40 buyer. Fertility makes it urgent again.
A traditional term policy isn't a relevant purchase for someone in their late twenties. A fertility benefit is. Embedding one inside the other lifts commissionable premium by roughly two-thirds — $720 to $1,200 a year on the same policy — with no change to your distribution model.
Annual Premium per Policy
Illustrative. Same agent, same channel, ~67% premium lift.
Premium lift
+67%
Commissionable premium per policy, with no change to your underwriting or distribution model.
Why Carriers Care
Economics and ease — without re-architecting your stack.
Value to Carrier
- Transforms commodity term into a differentiated solution
- Meaningful premium uplift on a basic term policy
- Earlier, higher-LTV relationships with younger buyers
- Brings parents and grandparents into the conversation through multi-generational configurations
Ease of Execution
- Fits existing life underwriting processes
- Uses your current distribution and advisor channels
- Compatible with standard admin and servicing rails
- Lotus provides the design, model, and implementation blueprint
One Engine, Three Configurations
The same Lotus core, expressed for the segments you serve.
We don't ask you to be all things to all customers. We work with your team to pick one or two high-potential segments and configure Lotus around the channels you already win in.
Path A
Gift of Future Fertility
- Who
- Multi-generational families. Parents and grandparents already buying juvenile or small whole life.
- Product shape
- Juvenile WL with an embedded or future-upgrade fertility benefit that activates at 18 or 25.
- Why it works
- On-mission for mutuals and fraternals — turns a legacy product into a modern, multi-generational promise.
Path B
Proactive Planners (28–32)
- Who
- Women and couples thinking about kids in 3–5 years, freezing eggs, or starting financial planning early.
- Product shape
- 20–30-year term with an embedded fertility benefit, priced for early, proactive buyers.
- Why it works
- One advisor meeting, two protections — meaningful premium uplift on a chassis your field already sells.
Path C
Wellness-Oriented Later Planners
- Who
- Sophisticated 35+ clients who froze eggs in their 20s or are health-and-longevity maximizers.
- Product shape
- Whole life or longer-term term with fertility coverage priced for higher post-35 risk.
- Why it works
- Modern, values-aligned product story for the later-mom, high-income cohort top advisors already serve.
Partnership Model
Product in a box. Clear lanes.
We plug into where you're already strong — career agents, independent advisors, worksite, association, or juvenile programs — and bring the training, positioning, and client-ready materials that make fertility a simple, repeatable conversation for your advisors.
What Lotus Brings
- Actuarial model
- Proprietary underwriting framework
- Product design
- Servicing model
- Proactive support ecosystem
- Cleared regulatory path (NAIC IIPRC)Lotus has completed two-plus years of groundwork and mapped the product to the NAIC Interstate Compact (IIPRC) — a single multi-state filing route, with target approval 3–4 months from submission.
What Carriers Bring
- Distribution
- Policy issuance
- Claims payment
- Carrier-of-record status
- Existing admin and servicing rails
What's Shared
- Actuarial inputs
- Pilot KPIs
- Member-experience and risk data
- Market expansion
Why This Wins With Younger Buyers
Demand exists. The gap is unsolved. Agents will sell it.
The demand is already here — and it's proactive.
People aren't waiting to act on their fertility. Proactive egg freezing among Gen Z has tripled since 2020. Nearly half of Gen Z say they worry about their fertility. 40% of U.S. employers now offer a fertility benefit, up from 30% in 2020. And 71% of under-40s want life insurance that adapts to their life. The awareness, the behavior, and the spending are already in motion — what's missing is the financial product to meet them.
Women's Health / Grand View Research · BusinessWire Gen Z fertility survey · employer benefit surveys · Capgemini World Life Insurance Report
The financial gap is unsolved
85% of fertility costs are still paid out of pocket — even when employers offer a benefit. The average gap is $66,000. Fertility Protect™ doesn't compete with employer benefits; it covers what they don't.
KFF 2024 Employer Health Benefits Survey · Mercer National Survey of Employer-Sponsored Health Plans
Agents will want to sell it
Higher premium per policy. An emotional, financial pain point that's easy to speak to. Digital channels generate the leads; agents close them — agent-assisted, not agent-sourced.
Lower CPA, higher premium per policy
Built For Mission-Driven Carriers
A natural fit for mutuals, fraternals, and long-horizon carriers.
Multi-generational mission alignment
Our configurations map to what mutuals and fraternals already care about most — helping families across grandparents, parents, and kids.
Distribution-first by construction
We don't ask you to invent a new channel. We plug into juvenile WL, multi-gen planning, core term for younger planners, or worksite and association where relevant — and do the heavy lifting on education and story.
Category leadership with safety rails
Be first in a visible, values-aligned category — with reinsurance support taking the majority of fertility risk, a thought-out regulatory path, and pilot-oriented structures to control exposure.
Build vs. Partner
The math favors partnership.
Building fertility-focused life insurance internally costs carriers $1.75M–$3.6M and 18–36 months — before a single policy is written.
Internal Build Cost · by workstream ($K)
Illustrative model — not a forecast
Total Internal Build
$1.75M – $3.6M
Plus opportunity cost. Plus execution risk.
With Lotus
Months, not years
Pre-built actuarial model, underwriting framework, and a cleared regulatory path.
Time to Market · months
Illustrative model — not a forecast
What you offload to Lotus
Execution risk
Novel-risk product development that most carriers don't have the appetite to build internally.
Opportunity cost
18–36 months of internal PM, compliance, and legal capacity reclaimed for your existing roadmap.
Regulatory drag
A cleared filing pathway instead of 12–24 months of multi-state SERFF work.
Value Created · illustrative incremental embedded value per cohort year ($M)
Illustrative model — not a forecast
Lotus is a value-creation engine, not a cost line.
Embedded value of acquiring younger lives over the policy term, at 1.2% Year 1 penetration. Industry-standard methodology; specific multiples vary by carrier and product.
Cost and timeline ranges based on standard carrier R&D economics for novel-risk life insurance product development. Embedded value figures are illustrative.
Diligence Library
Everything your team needs to evaluate the partnership.
Access opens under a signed NDA. Your product, actuarial, underwriting, and compliance teams review on your timeline, with a portal to ask our team questions directly.
- High-level actuarial model
- Detailed underwriting logic and risk-mitigation framework
- Market and customer research demonstrating consumer demand
- Fertility Protect™ benefit design and specifications
- Sample policy form with direct feedback from regulators
- FAQ portal with direct line to the Lotus team
Partnership Economics
A phased commercial model, tailored to each carrier.
Lotus provides the actuarial model, proprietary underwriting framework, product design, servicing model, proactive support ecosystem, and the cleared regulatory path.
Lotus has completed two-plus years of groundwork and mapped the product to the NAIC Interstate Compact (IIPRC) — a single multi-state filing route, with target approval 3–4 months from submission. Commercial terms are shared under NDA during diligence.
Carrier FAQ
Questions we hear most.
Request a Conversation
Let's talk about what Fertility Protect™ could mean for your book.
Prefer to start by email? Reach us at hello@insuredbylotus.com and we'll set up a conversation.