For Carriers
Meet the Fertility Protect™ Continuum.
One partnership, four ways in. Start with a no-filing digital member benefit your policyholders can use this quarter — and build, at your pace, toward the filed product with full premium upside.
The Continuum
Four ways in. One partnership.
Stop 01
Digital Member Benefit
Education, self-assessment, and resources — white-labeled to your brand. No filing required.
Stop 02
+ Care Navigation
Human guidance that gets members to the right resources and clinics, faster.
Stop 03
+ Network & Preferred Rates
Vetted providers and in-home testing at negotiated preferred rates.
Stop 04
+ Embedded Risk Product
The filed term + fertility living benefit. Full risk and premium upside, on your paper.
Every stage stands on its own. Every stage builds toward the next. You choose the pace.
A Great Product, Made Even Better
The chassis is strong. We make it matter sooner.
Life insurance is thriving.
Carriers are selling more individual life than ever. The opportunity isn't fixing the product — it's giving the next generation a reason to buy it a decade earlier.
LIMRA U.S. Individual Life Insurance Sales Survey
Fertility is the reason.
1 in 6 people face infertility, and 85% of fertility costs are still paid out of pocket. Fertility Protect™ turns the product families already trust into protection for the family they're still building.
World Health Organization · KFF Employer Health Benefits Survey · Mercer National Survey of Employer-Sponsored Health Plans
Why Carriers Partner With Lotus
A platform that flexes to your portfolio.
Configurable, not one-size
Plugs into term, whole life, juvenile, or worksite — tuned to the channels you already win in.
Built for your rails
Fits your existing underwriting, admin, and distribution. Our logic runs in your environment; member data never leaves your systems.
De-risked by design
Reinsurance support, a mapped NAIC Interstate Compact pathway, and pilot structures with defined success metrics.
Proactive by design
Care navigation and early intervention that keep members out of the costliest part of the fertility journey.
Partnership Model
Clear lanes.
We plug into where you're already strong and bring the training, positioning, and client-ready materials that make fertility a simple, repeatable conversation for your advisors.
What Lotus Brings
- Digital member experience, white-labeled to your brand
- Care navigation and provider network
- Actuarial model and proprietary underwriting framework
- Product design and servicing model
- Regulatory filing strategy — a single multi-state filing route (NAIC IIPRC)
What Carriers Bring
- Distribution
- Policy issuance
- Claims payment
- Carrier-of-record status
- Existing admin and servicing rails
What's Shared
- Actuarial inputs
- Pilot success metrics
- Member-experience and risk data
- Market expansion
Carrier FAQ
Questions we hear most.
Request a Conversation
Wherever you are on the continuum, there's a first step.
Prefer to start by email? Reach us at hello@insuredbylotus.com and we'll set up a conversation.