Not Your Parents’ Living Benefits: Fertility Journey Rider

The average cost of one IVF cycle is more than $12,000². It can make a significant difference in a couple’s fertility journey when they have a plan in place that allows them some flexibility and support. The Fertility Journey Rider, provides a one-time, lump-sum accumulation value credit. Regardless of risk classification or substandard rating, the rider is available at no additional cost, subject to state approval.

Living Benefits Riders are an excellent conversation starter, and we have built the marketing tools for you to start 2024 with a marketing campaign that makes building your brand easier than ever before.

1.) Living Benefits are provided by no additional premium Accelerated Benefit Riders. These riders are optional, and may not be available in all states or on all products. Receipt of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy, may result in a taxable event, and may affect your client’s eligibility for public assistance programs.

Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless the client has a need for life insurance. Riders are optional, may require additional premium and may not be available in all states or on all products.

2.) Rachel Gurevich, R. N. (2022, September 18). How much does one cycle of in vitro fertilization really cost? Verywell Family.

3.) Infertility: Symptoms, Treatment, Diagnosis UCLA Health, 3/1/2023
4.) Psychological Problems Related to Infertility, 10/15/2022
5.) The relationship between stress and infertility, 4/1/2022