Surrogate Life Insurance

What is Surrogate Life Insurance?

Obtaining life insurance for your surrogate provides her with peace of mind knowing that her family is covered throughout the surrogacy journey in the event of her unexpected death.

Intended parents have 2 options for insurance that covers a surrogate’s family if she dies unexpectedly. One is term life insurance and the other is surrogate accidental death insurance.

Term life insurance is a comprehensive policy covering most causes of death (the exceptions being suicide and dying while committing a crime). Second, a surrogate could opt to continue the policy at her own expense after the surrogacy journey.

However, term life insurance poses some unique challenges. The underwriting process can include a lengthy application questionnaire for the surrogate, with potential follow-up calls, clarifying questions, and often a physical exam. The insurance policy also does not offer coverage to help recover costs for the intended parents. In addition, term life does not allow helpful add on’s to the coverage that surrogate accidental death offers, such as loss of reproductive organs, permanent disability, or stillbirth coverages.

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What is Surrogate Accidental Death Insurance?

Surrogate Accidental Death insurance is an alternative to term life insurance that provides coverage if the surrogate dies from surrogate pregnancy-related complications or by accident. Unlike term life insurance, surrogate accidental death insurance includes options such as:

Recovery of the intended parents’ financial losses related to egg donation and surrogacy
Recovery of the intended parents’ financial losses if the baby is stillborn
Benefit payment to the surrogate for loss of reproduction organs
Benefit payment to the surrogate for permanent total disability

A surrogate accidental death insurance policy doesn’t require underwriting and is generally easier to obtain than a term life policy.

Why Do I Need Life Insurance for My Surrogate?

As your surrogate cares for your baby during pregnancy, it’s important for intended parents to ensure their surrogate and her family are taken care of should something happen. This is done by purchasing either term life or accidental death insurance, which is typically required in the surrogacy contract.

When Do I Buy Surrogate Life Insurance?

Most intended parents purchase surrogate life insurance before their surrogate begins taking surrogacy-related medications. When the policy is in place, it becomes effective at the start of medications and lasts up to 18 or 24 months or until delivery (whichever comes first). Additional coverage is optional. If purchasing term life insurance, we suggest applying 8-10 weeks ahead of transfer as the application process is much lengthier.

Frequently Asked Questions

Yes. There are higher rates for a surrogate accidental death policy for a surrogate between ages 41 and 45.

At the time of writing this answer this coverage was only available via IFI.

The coverage remains in place for up to 12 months after delivery if death or bodily injury is due to a pregnancy-related complication.

With the surrogate accidental death policy yes, with term insurance no.

Products and services may be subject to change. Not all products available in all states. Underwriting may apply. Please connect with us for details on each policy and service offering.

Insurance Coverage Levels Sample

An easy guide to insurance levels of coverage with costs.

Intended Parent Resource Guide

Download our Intended Parent Resource Guide.

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