Lotus Fertility Insurance

Everything Lotus Fertility Insurance Needs to Fill Every Chair, Every Week

A complete patients acquisition system — researched, written, and built for your business. Completely free.

Explore the Package
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$9,000 Worth of Marketing Assets. Built for You. Free.

Here's what's inside the package — and what each piece is worth.

$3,500
VSL Script
$3,000
10 Ad Scripts
$1,500
10 Emails
$1,000
Avatar Research
Asset 01

VSL Video Script

A 1,200+ word video sales letter engineered to turn cold traffic into booked patients. AIDA structure, objection handling, and a close that converts.

Read the Full Script
Fertility treatment is one of the most expensive healthcare journeys a person can go through. IVF averages 20000 to 30000 per cycle. Egg freezing. Medications. Diagnostics. Mental health support. The costs add up fast.

And most health insurance does not cover any of it.

Cally Myhrum Watts started Lotus Fertility Insurance because she lived that reality. She discovered that neither her employer nor her insurer would cover fertility preservation. In a country where fertility treatment demand is growing every year, insurance has not kept up.

So she built the product that should have existed already.

Lotus offers Fertility Protect, a white label life insurance rider that integrates fertility healthcare coverage into term life insurance policies. Not standalone health insurance. A rider that carriers can add to their existing term life products with low capital requirements.

What does Fertility Protect cover for policyholders: diagnostics, IUI, IVF, fertility medications, egg freezing, coaching, mental health support, and cancer related fertility preservation. Plus a standard life insurance death benefit and conversion option to permanent life insurance.

The underwriting is powered by machine learning risk assessment. The coverage is inclusive, designed to cover diverse family building paths. And the structure as a rider means insurance carriers can bring it to market quickly without building a new product from scratch.

Lotus is based in Pittsburgh and co-founded by Cally (CEO) and Meg Trite (COO). The product addresses a gap that affects millions of people: the disconnect between fertility treatment demand and insurance coverage.

For insurance carriers looking to differentiate with a product that young professionals are actively searching for, Lotus is the partner that makes it possible.

[View the Full Package for Lotus Fertility Insurance]
Asset 02

10 Ad Scripts

Ten different angles — each designed to hook a different segment of your ideal patients. Problem/solution, before-after, social proof, urgency, and more. Ready to run.

Ad 1
70 percent of large employers do not cover fertility treatment. the demand for coverage is growing every year. insurance has not kept up

lotus fertility insurance offers fertility protect, a white label rider that carriers can add to term life policies. diagnostics, IUI, IVF, egg freezing, mental health support, and more

low capital. fast to market

[learn more]
Ad 2
before: your policyholders ask about fertility coverage. you do not offer it. they go to a carrier that does. you lose a customer over a gap in your product

after: fertility protect by lotus is a rider on your existing term life product. your policyholders get fertility coverage. you get differentiation and retention

[learn more]
Ad 3
cally myhrum watts started lotus because her own employer and insurer would not cover fertility preservation. she built the product that should have existed already

fertility protect. a white label life insurance rider for carriers who want to offer what the market is demanding

pittsburgh PA

[learn more]
Ad 4
the fertility insurance gap is costing carriers customers:

. young professionals actively search for fertility benefits
. employers are adding fertility coverage to attract talent
. carriers without fertility products lose policy opportunities
. the demand is growing faster than the industry is responding

lotus fertility protect closes the gap. white label rider. low capital

[learn more]
Ad 5
what fertility protect covers for policyholders:

. diagnostics
. IUI and IVF
. fertility medications
. egg freezing
. coaching and mental health support
. cancer related fertility preservation
. educational resources
. plus standard life insurance death benefit
. conversion option to permanent life insurance

white label rider for term life policies

[learn more]
Ad 6
5 reasons carriers should add fertility protect:

1. young professionals are actively searching for fertility coverage
2. white label rider integrates into existing term life products
3. low capital requirements for carriers
4. machine learning powered underwriting for efficient risk assessment
5. inclusive coverage designed for diverse family building paths

lotus fertility insurance. pittsburgh PA

[learn more]
Ad 7
the market is moving. employers are adding fertility benefits. consumers are searching for fertility coverage. carriers that offer it capture a growing segment. carriers that do not lose them to competitors who do

fertility protect by lotus. white label. low capital. fast to market

[learn more]
Ad 8
lotus fertility insurance. pittsburgh PA

. co-founded by cally myhrum watts (CEO) and meg trite (COO)
. product: fertility protect (white label life insurance rider)
. covers: diagnostics, IUI, IVF, egg freezing, medications, mental health, cancer fertility preservation
. machine learning powered underwriting
. inclusive coverage for diverse family building paths
. low capital requirements for carriers

[learn more]
Ad 9
building fertility coverage from scratch vs partnering with lotus:

from scratch: actuarial development, regulatory filings, product design, market testing. 12 to 24 months minimum. significant capital

lotus: white label rider that integrates into your existing term life product. machine learning underwriting. inclusive design. ready to go

one takes years. the other takes months

[learn more]
Ad 10
we were looking for a way to differentiate our term life product in a competitive market. fertility coverage kept coming up in focus groups with younger demographics but building it ourselves would have taken years

lotus offered fertility protect as a white label rider. integration was straightforward. the underwriting is ML powered. and our agents now have a product that younger customers are actively asking for

if your carrier is looking to differentiate, talk to lotus

[learn more]
Asset 03

10 Nurture Emails

A post-booking email sequence that warms patients, handles objections, and drives bookings. Each email addresses a real concern so by appointment day, they're excited — not anxious.

your inquiry is confirmed
hi [First Name]

thanks for your interest in Lotus Fertility Insurance. here is what to expect

cally or the lotus team will discuss how fertility protect works, how it integrates into existing term life products, and what the partnership looks like for your carrier

the Lotus team
pittsburgh PA
why fertility coverage matters now
hi [First Name]

fertility treatment demand is growing every year. younger demographics are actively searching for coverage. and the gap between what insurers offer and what consumers need is widening

fertility protect by lotus exists to close that gap for carriers who want to stay ahead of the market

the Lotus team
how the rider works
hi [First Name]

fertility protect is a white label rider that attaches to your existing term life insurance policies. policyholders get fertility healthcare coverage (diagnostics, IUI, IVF, egg freezing, medications, mental health, cancer fertility preservation) alongside their standard life insurance death benefit

no new product build. no separate policy. a rider on what you already sell

the Lotus team
machine learning underwriting
hi [First Name]

lotus uses machine learning powered risk assessment for fertility protect underwriting. that means efficient, data driven decisions that keep the product economically viable for carriers while providing meaningful coverage for policyholders

the Lotus team
inclusive by design
hi [First Name]

fertility protect is designed to cover diverse family building paths. inclusive underwriting means the product serves all policyholders regardless of how their family is being built

that inclusivity is not just ethically right. it expands the addressable market for carriers

the Lotus team
low capital requirements
hi [First Name]

because fertility protect is structured as a rider, not a standalone product, the capital requirements for carriers are significantly lower than building fertility coverage from scratch

that means faster time to market and lower financial risk for your organization

the Lotus team
the founder's story
hi [First Name]

cally myhrum watts started lotus after discovering her own employer and insurer would not cover fertility preservation. she experienced firsthand the gap that millions of people face

that personal experience drives the mission. and it resonates with the policyholders who are looking for exactly this coverage

the Lotus team
competitive differentiation
hi [First Name]

in a market where term life products are increasingly commoditized, fertility protect offers genuine differentiation. it is a product that younger demographics are actively searching for and one that very few carriers currently offer

first movers in this space capture loyalty from a demographic that will be buying insurance for decades

the Lotus team
your conversation is coming up
hi [First Name]

to make the most of your time with the lotus team:

. know your current term life product structure
. have an idea of your target demographic (age, income, family status)
. bring questions about integration, underwriting, and timeline

we handle the product details from there

the Lotus team
looking forward to connecting
hi [First Name]

the fertility insurance gap is real, growing, and waiting for carriers to fill it. lotus fertility protect makes that possible without the cost and time of building from scratch

we are looking forward to showing you how

the Lotus team
pittsburgh PA
Asset 04

Avatar Research

A deep-dive into who your ideal patients actually is — demographics, psychographics, fears, desires, objections, buying triggers, and the exact language they use.

Full Avatar Research Report
IDEAL CUSTOMER for Lotus Fertility Insurance

DEMOGRAPHICS:
Insurance carriers (life insurance companies), insurance product managers, VP of product development, chief underwriting officers, innovation leads at mid to large insurance carriers. Company size 500M to 50B plus in premiums. Located in the US. Decision makers age 35 to 58. MBA or actuarial backgrounds.

PSYCHOGRAPHICS:
Looking for product differentiation in a commoditized term life market. Aware that younger demographics want fertility coverage but unsure how to offer it. Want a low risk, low capital way to test a new product category. Data driven and need ML powered underwriting to be comfortable with risk. Value inclusivity because it expands addressable market. Want a partner who has built the product so they do not have to.

FEARS:
The fertility rider will not be profitable. The underwriting risk is too uncertain. Integration into existing products will be complex. The market demand is not as strong as claimed. Regulatory hurdles will slow the launch.

DESIRES:
A differentiated product that attracts younger policyholders. Low capital, low risk entry into fertility coverage. A white label solution that integrates into existing term life products. ML powered underwriting they can trust. A partner who handles the product development so they focus on distribution. First mover advantage in a growing market.

OBJECTIONS:
Is the demand real: Fertility treatment spend is growing double digits annually. 70 percent of large employers do not cover it. The gap is enormous and growing.
What is the underwriting risk: ML powered risk assessment provides data driven pricing. The rider structure limits exposure.
How long to integrate: White label design is built for fast integration into existing term life products. Months not years.
Is this regulatory compliant: Lotus is designed to comply with state insurance regulations as a rider on existing approved products.

BUYING TRIGGERS:
Losing policyholders to carriers that offer fertility benefits. A strategic initiative to attract younger demographics. Innovation mandate from leadership. Seeing competitors begin to explore fertility coverage. Employer clients asking about fertility benefits for their group policies. A meeting with Lotus that shows the math works.

LANGUAGE PATTERNS:
What is the loss ratio projection. How does the ML underwriting work. What is the integration timeline. Is this filed in all 50 states. What is the cost to the carrier. How do we price the rider for policyholders. What is the take rate with younger demographics.

COMPETITIVE LANDSCAPE:
Standalone fertility insurance products: exist but are rare and expensive. Employer fertility benefits (Progyny, Carrot, Maven): serve employers, not individual policyholders through life insurance. Health insurance fertility coverage: limited and state mandated in only some states. No other company offers a white label fertility rider for term life insurance. Lotus differentiator: the ONLY white label fertility coverage rider for term life insurance, ML powered underwriting, inclusive of diverse family building paths, low capital for carriers, fast to market, addresses a gap that no other insurance product fills in the individual policy market.

Three Paths Forward

All of them are free. None of them require commitment.

📦

Keep Everything

Take the VSL, ads, emails, and avatar research. Use them however you want. They're yours — no strings.

☎️

Walk Through It Together

Book a 30-minute call. I'll show you how each piece works and how to implement them. Free.

🚀

We Build the Whole System

If you want the full machine — ads, funnels, CRM, management — we'll map that out on the call.

What You Got Today vs. What We Build Together

What You Got Today

  • VSL Video Script
  • 10 Ad Scripts
  • 10 Nurture Emails
  • Avatar Research Report

What You Get If We Work Together

  • Avatar Research
  • Creative Strategy
  • Competitor Analysis
  • Call Funnel Landing Page
  • VSL Scripting & Refinement
  • VSL Video Editing
  • Qualification Form Build
  • Confirmation Page Build
  • Funnel Analytics & Tracking
  • Meta Ad Account Setup
  • Meta Campaign Setup
  • Video Ad Scripts (25+)
  • Static Ad Creatives (10+)
  • Ad Creative Design
  • Audience Research & Targeting
  • Retargeting Ads
  • Pixel Installation
  • Ad Copy Variations (10+)
  • Ads Management
  • Ads Analytics
  • Booking Platform Setup
  • CRM & Automation
  • Email Platform Setup
  • 25 Email Nurture Sequence
  • Sales Assets (10-15)
  • Sales Automations
  • Continuous Optimization

This Was Made for Lotus Fertility Insurance. Nobody Else.

Every word on this page was written after studying your business, your patients, your competitors, and your market. This isn't a template — it's a blueprint.

Zero risk. If you use it and it works — great. If you don't — delete it. If you book a call and it's not helpful — I'll never bother you again. You have nothing to lose.
Book Your Free 30-Minute Call