We understand the exposure so that you can properly insure your risk.

New Life Agency understands the ever changing and increasing FDA and other regulations in your industry and is prepared to insure you against your current and future exposures.

We have underwritten a family of FDA based insurance products exclusively for the Assisted Reproduction professionals.

Please click on each plan for Plan Description.

WebGuard

Plan Description

WebGaurd provides coverage for network Security, privacy and defense cost for regulatory compliance for IVF Clinics, Surrogate Agency's, Egg Donor Agency's and all professionals in the assisted reproduction industry.

Premium And Deductible

Simplified underwriting allows us to present quotes immediately to you as shown below.

Deductable on all coverage limits is $5000.

• Nuclear Incident Exclusion Clause (E1851A-0407)
• War and Civil War Exclusion Clause (E1851B-0407)
• Terrorism Exclusion Endorsement (E1851C-0407)

Summary Of Benefits

For more information please contact a Customer Care Representative at:
877-952-LIFE (5433)

Limitations

Over 50 employees submit application for quote and underwriting review.

Must not have experienced any related claims/incidents.

Must have firewall backing up at least weekly. Store backup data off site.

MedGuard

Plan Description

MedGuard provides coverage for defense costs and civil fines and penalties and billing audits resulting in fines or penalties arising from healthcare regulatory proceedings for IVF Clinics, Surrogate Agency's, Egg Donor Agency's and all physicians and professionals in the assisted reproduction industry.

Premium And Deductible

Simplified underwriting allows us to present quotes immediately to you as shown below.

Instructions for Coverage Selection

1. Solo Physicians:
a) Select limit and deductible options from below table. Premium is the price reflected under "Physician 1"
2. Physician Groups:
a) Determine the number of physicians in your group.
b) Select limit and deductible options from below table. Premium is the price reflected in the respective band where your total number of physicians falls into:

Option:	A	B	C	D
Per Insured Event Limit:	$500,000	$500,000	$1,000,000	$1,000,000
Deductible (per claim):	$25,000 legal expense and fines & penalties	$1,000 legal expense and fines & penalties	$25,000 legal expense and fines & penalties	$1,000 legal expense and fines & penalties
Price per Physician:
Physician 1	$1,300	$1,500	$1,600	$1,850
Physicians 2-5	$1,105	$1,275	$1,360	$1,573
Physicians 6-15	$975	$1,125	$1,200	$1,387
Physicians 16-30	$845	$975	$1,040	$1,202
Physicians 31-50	$780	$900	$960	$1,110

For greater than 50 physicians, submit to New Life Agency for quotation.

*Endorsements to be issued with policy:

1. Nuclear Incident Exclusion Clause;

2. Disciplinary Proceedings Endorsement (legal expense reimbursement sublimit of $50,000 per Disciplinary Proceeding and in all)

How Group Aggregate Limits Work:

The Maximum Aggregate Limit per group is the total limit available for all claims during a policy period. For example, if the policy has a limit of $1,000,000 per Insured Event/$5,000,000 in the aggregate, payment for one claim cannot exceed $1,000,000 and payment for all claims during the policy period cannot exceed $5,000,000.

The aggregate limit is the same as the insured event limit. For example, if the Insured purchases a $500,000 insured event limit, the maximum aggregate limit offered will also be $500,000.

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3. Non-Physician Groups:
a) Determine the total gross revenue amount.
b) Select limit and deductible options from below table. Premium is the price reflected in the respective band where your total revenue amount falls into:

For businesses with greater than $3,000,000 in revenue, submit to New Life Agency for quotation.

*Endorsements to be issued with policy:

1. Nuclear Incident Exclusion Clause;

2. Disciplinary Proceedings Endorsement (legal expense reimbursement sublimit of $50,000 per Disciplinary Proceeding and in all)

How Group Aggregate Limits Work:

The Maximum Aggregate Limit per group is the total limit available for all claims during a policy period. For example, if the policy has a limit of $1,000,000 per Insured Event/$5,000,000 in the aggregate, payment for one claim cannot exceed $1,000,000 and payment for all claims during the policy period cannot exceed $5,000,000.

The aggregate limit is the insured event limit multiplied by the number of physicians in the group, or $5,000,000, whichever is less. For example, if a 3-physician group purchases a $500,000 insured event limit, the maximum aggregate limit offered will be $1,500,000.

Summary Of Benefits

Exclusions and Qualifications

Qualifications:

Available for solo physicians and groups up to 50 physicians.

Available for non physician groups with $3,000,000 or less in total gross annual revenues.

All applicants must not have experienced any regulatory claims, whether insured or not, which may be covered under this policy, or been named as a defendant or respondent before any federal, local or state regulatory agency.

For physician groups, billings must not exceed an average of $1,000,000 per physician.

Coverage cannot be bound under the terms and conditions of this program for Applicants that do not fall within the program qualifications; however, Applicants will be considered for coverage outside the program

Exclusions:

Emergency Room Physician Groups are Excluded.

BusGuard

Plan Description

BusGuard provides all regulatory business interruption coverage, including FDA business interruption coverage for IVF Clinics, Surrogate Agency, Egg Donor Agency and all professionals in the assisted reproduction industry.

Premium And Deductible

Simplified underwriting allows us to present quotes immediately to you as shown below.

Summary Of Benefits

Exclusions and Qualifications

Must not have experienced any regulatory business shutdown claims/incidents/ suspensions or been named as a defendant or respondent before any federal, state or local Public Health Official.

Coverage cannot be bound under the terms and conditions of this program for Applicants that do not fall within the program qualifications; however, Applicants will be considered for coverage outside the program.