Why This Matters
For Millennials and Gen Z, fertility care is one of the largest unprotected financial shocks of adulthood.
For too many families, the barrier to having a child isn't biology — it's the bill. That's the gap Lotus exists to close.
1 in 6 adults face infertility[1]. The treatment that follows averages around $66,000 out of pocket across a full journey of testing, medication, and multiple treatment cycles[2] — more than most households can absorb.
A medical problem treated as a personal expense.
The average fertility journey costs around $66,000 out of pocket across a full journey of testing, medication, and multiple treatment cycles[2]. Most U.S. health plans still treat IVF as elective — covering little of it, or capping it well below what a full journey costs. Families absorb the rest[3].
Insurance covers the complications of infertility. It rarely covers the treatment that prevents them.
Infertility is a medical condition, but most U.S. insurance plans still classify treatments like IVF as elective. The result: families pay for fertility care almost entirely out of pocket, while the same system covers the much more expensive complications that follow.
Avg Out-of-Pocket
Cost of a fertility journey.
Adults Affected
Experience infertility.
Paid Out of Pocket
Share of fertility treatment costs paid out of pocket, even when a plan offers some coverage.
Where the Coverage Falls Short
Healthcare
Treats fertility as elective.
Even with an employer fertility benefit, families typically cover most of the cost themselves — averaging tens of thousands of dollars out of pocket per journey[4].
Life Insurance
Sells a death benefit to a generation building a life.
Traditional term life feels irrelevant to under-40 buyers who are focused on starting a family, not protecting a legacy.
See what this would cost you.
Estimate your potential out-of-pocket exposure based on your age and family plans.
Life insurance was never just about dying.
Modern life insurance already includes living benefits — long-term care riders, critical illness benefits, and cash value you can borrow against during your lifetime. The most obvious living benefit has been missing: the cost of building the family the policy is meant to protect.
If life insurance exists to protect families, it has to start protecting people's ability to have one.
This is what we're building.
Lotus works with licensed carriers to offer a new kind of policy — term life insurance with fertility protection built in. We don't sell directly to you; we work with the life insurance companies you already know.
Portable
The policy belongs to you, not your employer.
Living benefit
The policy includes an option to convert to permanent life coverage after the fertility benefit period ends at age 45.
Inclusive by design
Single parents, same-sex couples, cancer patients — same path to eligibility for everyone.
Life Insurance 101
The basics, in plain language.
Lotus works with licensed carriers to offer term life insurance with fertility protection built in. It belongs to you, travels with you between jobs, and pays toward the cost of building a family — the gap that healthcare and employer benefits leave behind.
Sources
- World Health Organization, "1 in 6 people globally affected by infertility," April 2023.
- FertilityIQ, Family Building Workplace Index — average cumulative cost of a successful IVF journey (~$50K–$70K depending on cycles, medication, and genetic testing).
- KFF, 2024 Employer Health Benefits Survey, October 2024 — IVF and family-building coverage among large employers.
- Mercer, National Survey of Employer-Sponsored Health Plans, November 2024 — employer fertility benefit design and lifetime caps.
- GoodRx, "How Much Does IVF Cost?" 2025 — single-cycle IVF costs of $12,000–$30,000 in the U.S.
Stay in the Know
Protect your fertility, build your wealth.
Protecting your future fertility should not come at the expense of your wealth goals. Knowledge is power — we are here to shed light on the fertility protection gap and help build the financial safety net for the next generation.
Want occasional updates on fertility, finance, and our product? Email subscribe@insuredbylotus.com and we'll add you.
Occasional updates on fertility, finance, and our product.