FAQ

A policy may be bought any time for the beneficiary from birth to the end of his or her thirteenth year.

The beneficiary can access coverage starting at age 18, and it will last until the age of 35. As long as a claim is made by age 35, the beneficiary will have 24 months to complete treatment for that claim.

Anyone. Parents, grandparents, aunts, uncles, godparents, and friends can purchase policies for their loved ones.

 

Policies may vary from state to state. Please note, this is not a substitute for reading your policy, but many of the following procedures may be covered under our policy:  Anesthesia, Drug Therapy, Ejaculatory Duct Resection, Intrauterine Insemination (IUI), In vitro fertilisation (IVF), Lab Testing, Medical Imaging Studies, Outpatient Surgical Center, Pre-implementation Diagnostic Screening, Sperm Retrieval, Varicocele Repair for Infertility, and Egg and Sperm Embryo Storage.

Yes, we have created a fully functional portal for you to manage your policy. You can update your account through your Client Portal.

We offer rate discounts for younger children. Additionally, rates can change from year to year. Apply today to lock-in your rate.

By buying insurance before infertility is known, we can create affordable pricing that allows large numbers of people to purchase this insurance.

Yes, by logging into your Client Portal, you can add another beneficiary to your account, and after approval, the premium will be added to your existing bill.

Credit card and ACH payments are accepted. There is no processing fee associated with credit card payments; however, if you pay with ACH, you will receive a 3.5% premium credit.

All doctors and procedures should be preapproved and accepted by us prior to treatment to ensure that the maximum payment under this policy is available to you.

Nonpayment of any policy premium could result in the policy being cancelled. If a policy is past due one day, we will send out an email reminder to pay the premium. If a policy goes 15 days past due, we will send out an email stating our intent to cancel. Should the policy reach 30 days unpaid, policy will be cancelled completely. 

The LifeSpring Policy was designed to cover the couple diagnosed with primary infertility. The policy limit provides coverage for both members of the couple!

Our product is an admitted insurance policy and requires state approval. We are working hard to obtain state approval across the country. If you would like to be informed about our progress in your state, please consider leaving us your email by clicking here.

After your policy has been paid in full and you have reached your 18th birthday, the policy is automatically transferred into your name. Now as the policy owner you will be able to file a claim to use your benefits.

Yes, we may request additional tests at our cost at anytime during the claims process. More information regarding this can be found in your policy.

Yes, the LifeSpring policy was designed to cover the couple diagnosed with infertility. Both members of the couple will share the policy limit.

Policies may vary from state to state and this is not a substitute for reading your policy, but many of the following procedures may be covered under our policy:  Anesthesia, Drug Therapy, Ejaculatory Duct Resection, Intrauterine Insemination (IUI), In vitro fertilisation (IVF), Lab Testing, Medical Imaging Studies, Outpatient Surgical Center, Pre-implementation Diagnostic Screening, Sperm Retrieval, Varicocele Repair for Infertility, and Egg and Sperm Embryo Storage

Preapproved primary infertility treatments are covered up to the policy and procedure maximum of $50,000 for you and your partner. Please refer to your policy for specific information regarding policy limits.

To maximize your benefits physicians and treatments must be provided by a qualified medical provider and preapproved by us, prior to the treatment. For more information on qualified medical providers, preapproval and covered treatment, please refer to your policy.

To file an insurance claim, please login to your Client Portal and find the claim form under the Claims section. If you haven’t created a portal, please click here.

Yes, we have created a fully functional portal for you to manage your policy. You can update your account through your Client Portal.

Encrypted and protected communication regarding claims should be sent and received through our secure portal.

Please click here to recover your policy number.

Infertility is a situation in which a beneficiary couple has been unable to conceive a pregnancy resulting in a live birth after a minimum of one (1) year of non-contracepting sexual intercourse and has been diagnosed with a primary infertility condition by a qualified medical provider.

In the U.S., infertility affects 12% of all couples wanting to conceive as of April of 2019.

No, one-third (1/3) of infertility is attributable to male factors, one-third (1/3) of infertility is attributable to female factors, and one-third (1/3) of infertility is attributable to both male and female factors.

The cost of primary infertility treatments can range greatly depending on treatment required, age of the couple, and other biological factors. For some, infertility treatments can cost more than $50,000 leaving many couples with very few options.

In Vitro Fertilization (IVF) describes a technique where a woman’s eggs and man’s sperm are combined in a special laboratory in order to create an embryo(s). Depending on the diagnosis and age of the woman, an embryo or embryos are transferred to the woman’s uterus through her cervix to enhance the chances of pregnancy.

 

In vitro fertilization plus medication cost on average $13,500 per average cycle, but can run as much as $18,000.

Intrauterine insemination (IUI) is the placing of sperm into a woman’s uterus when she is ovulating. This procedure is used for couples with unexplained infertility, minimal male factor infertility, and women with cervical mucus problems. IUI is often done in conjunction with ovulation-stimulating drugs.