Intended parents will offer to reimburse the insurance premiums on a Surrogate's life insurance policy as part of the legal and ethical safeguards in a surrogacy arrangement. The offer is meant to protect the Surrogate’s family if she dies.
Intended parents typically reimburse the premiums on a Surrogate's life insurance policy for several reasons:
Financial Protection for the Surrogate's Family: Surrogacy is a significant commitment, and the risks involved—while generally low—are still present. If something were to happen to the Surrogate during pregnancy or childbirth, the life insurance policy ensures that her family is financially supported in the event of her death. This protects the Surrogate’s family from financial hardship and is an ethical consideration to show that the Surrogate’s well-being and safety are a priority.
Mitigating Risks for the Intended Parents: While the main motivation is to protect the Surrogate and her family, it also serves the interests of the Intended Parents. If a Surrogate were to die during the pregnancy, it could complicate the situation for the Intended Parents. By providing life insurance, Intended Parents can ensure that the Surrogate's family will be compensated, reducing the chances of any legal or financial disputes.
Providing Peace of Mind: Offering to cover the cost of life insurance premiums gives the Surrogate peace of mind, knowing that she is financially protected and supported. This is an important aspect of creating a healthy, cooperative relationship between the Surrogate and the Intended Parents.