NLA Exclusions for Surrogates

New Life Agency, or NLA, is the specialty surrogacy insurer that many of our surrogates use during their journeys. All surrogate candidates apply for this policy, even if they plan to be using their own insurance. During the pre-approval phase you will be asked to answer questions about your personal health and your previous pregnancy and delivery history.

At the close of your application, your admissions specialist will submit your records to NLA. The underwriters at New Life Agency will review your application and issue a pre-approval status within five business days. This pre-approval generally comes with a list of exclusions. Unlike traditional insurance policies, NLA offers a specialty plan that allows them to exclude coverage for pre-existing conditions. For example, if your health history denotes that you’ve previously experienced multiple urinary tract infections (UTI) during pregnancy, NLA may opt to deny coverage payment of future UTIs during your surrogate pregnancy.

In these cases, the surrogate or her IPs would be responsible for paying any costs relating to care. While intended parents are never responsible for non-pregnancy related health care costs, in the event of pregnancy related costs that are not covered by NLA, the intended parents may be asked to pay those costs out of pocket. As such, if a surrogate’s NLA application is returned with multiple exclusions, the Growing Generations’ staff will need to assess the potential risks and costs associated with these conditions to decide if NLA is the best insurance option for the case.

Intended Parents will receive a full insurance benefits package on any surrogate that they’re considering working with. They will have the opportunity to accept the potential risks of exclusions and associated costs before accepting a potential surrogate match.

As a surrogate, the most important thing you should keep in mind is that is it incredibly important for you to answer all of the NLA application questions openly and honestly. Past health issues are important to disclose. If you have any questions about the application, or how exclusions apply to your unique journey, feel open to discussing these concerns with your admissions or case specialist.


Revised 5/15/18

Teo Martinez

Teo Martinez is the CEO of Growing Generations, a surrogacy and egg donation agency headquartered in Los Angeles, CA. Educated at both UCLA and Pepperdine University, and with over 15 years of experience working in assisted reproduction, Teo’s background makes him one of the most experienced and accomplished professionals in the field.