INTRODUCING FERTILITY PROTECT™
Modernizing Term Life Insurance with Fertility Protection
Expand coverage, close equity gaps, and reduce out-of-pocket fertility costs—without overhauling your existing benefits.
WHAT WE COVER
Empowering the next generation with Fertility Protect™
Comprehensive
Fertility Coverage
Diagnostics, treatments (IUI, IVF), medications, fertility coaching, mental health support, and educational resources.
Life Insurance
Foundation
Provides additional financial security for loved ones.
Crucial Support in the
event of a Cancer Diagnosis
Coverage for fertility preservation due to a cancer diagnosis before medical treatment.
Long-Term Financial
Security
Potential to convert the policy to permanent life insurance later.
Portability
They own the policy, ensuring continuous coverage.
FERTILITY PROTECT™ BRIDGES THE GAP
Proactive fertility protection, integrated with life insurance
We are introducing Fertility Protect™, a new term life insurance policy that integrates proactive fertility protection in addition to the death benefit.
This product offers coverage for diagnostics, treatments (IUI, IVF), medications, and support services, combined with the financial security of life insurance. It's a portable, individually-owned solution designed for those planning families.
Unlike existing solutions that only kick in after fertility issues arise, Lotus offers a forward-looking, prevention-driven approach that empowers individuals to protect their reproductive health and financial future before challenges emerge.
WHAT MAKES US UNIQUE
Lotus employs a data-driven, machine learning-powered risk assessment, enhancing underwriting precision.
✓
Operational structure enables carriers with a quick and low-capital market entry.
✓
Lean operations and modular technology enable Lotus to rapidly adapt underwriting rules and monitor policy performance.
✓
Lotus's inclusive underwriting covers diverse family-building paths, expanding market access.
✓
Early market entry and real-time data analysis provide Lotus with a learning advantage for underwriting refinement.
✓
The product is portable, individually underwritten, and structured to minimize anti-selection risk by using third-party data calls and robust underwriting.
✓
A BLUE OCEAN OPPORTUNITY FOR CARRIERS
Why Upgrade to Fertility Protect™
New Revenue Opportunities
Increase new customer acquisition and attract new customer segments
Gain Competitive Edge
Differentiate product offerings and gain a competitive advantage by being an early adopter of fertility protection coverage.
Quickly tap into a growing market
Partnering with Lotus reduces costs for the carrier to integrate and implement the fertility protection coverage
CHALLENGE
The $9 Billion U.S. Fertility Market is Significantly Driven by High Out-of-Pocket Costs
Fertility care is excluded from traditional plans.
Most life and health insurance products ignore fertility needs—leaving families to cover thousands in out-of-pocket costs.
Access is unequal across income, location, and identity.
Current benefits disproportionately serve high-income, coastal, and heterosexual couples—excluding vast segments of today’s workforce.
Employers bear rising costs without better outcomes.
Without smarter coverage, employers face increasing claims and healthcare expenses—especially from avoidable multiple births and delayed care.
EDUCATIONAL CONTENT
Diseases prevention begins with education.
We provide the vital education consumers need.
Our commitment to education is rooted in the belief that knowledge is crucial for disease prevention and preparing oneself financially and physically. Curiosity and the pursuit of knowledge are at the heart of our ethos. We provide educational support that helps customers achieve their financial and family building goals.
