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

Dr. Kim Bergman

Kim Bergman, PhD, a licensed psychologist of 26 years, has specialized in the area of gay and lesbian parenting, parenting by choice and third party assisted reproduction for over two decades. Dr. Bergman has created a comprehensive psychological screening, support and monitoring process for Intended Parents, Surrogates and Donors. She is the co-owner of Fertility Counseling Services and Growing Generations and is a member of the American Society for Reproductive Medicine, the American Psychological Association, the Los Angeles County Psychological Association, the Lesbian and Gay Psychotherapy Association, and the Gay and Lesbian Medical Association. She is on the national Emeritus board of the Family Equality Council. Dr. Bergman writes, teaches and speaks extensively on parenting by choice. Along with co-authors, she published “Gay Men Who Become Fathers via Surrogacy: The Transition to Parenthood” (Journal of GLBT Family Studies, April 2010). Dr. Bergman’s is the author of the upcoming book, Your Future Family: The Essential Guide to Assisted Reproduction (Conari Press 2019). Dr. Bergman created her own family using third party assisted reproduction and she lives with her wife of 35 years. Her two daughters are in college.