ART Risk Financial and Insurance Solutions, Inc.

Intended Parents deserve clarity before contracts are finalized and transfers are scheduled.
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We created a simple insurance guide that outlines what to consider, when timing matters, and how different phases of the journey affect your options.
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If you want a starting point to understand the insurance for your journey, comment GUIDE and we’ll send it your way.

🎉Three milestones. Three team members. Countless families handled with care. Anniversaries aren’t just about the time spent, but the professionalism, collaboration, and commitment you bring year after year. We’re better because each of you are here. Congrats to: Abbey (4 yrs), Jess (1 yr), and Renan (4 yrs) Happy ARTiversary!💙💚

Many insurance limitations aren’t about coverage, they’re about timing.
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Once contracts are finalized, medications begin, or a pregnancy is confirmed, certain options narrow or disappear entirely. That’s why early policy review creates knowledge and flexibility that late reviews simply can’t. Insurance strategy works best when it’s proactive, not reactive.
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If your journey is in motion, consider this your reminder: plan early so your insurance plan is as strategic as possible.

Sometimes the best solutions are the partnerships, processes, and resources working behind the scenes to help reduce costs, remove obstacles, and support a better experience for the agencies and families we serve.

At ART Risk, we're always looking for ways to bring more clarity, confidence, and peace of mind to the journey, and this partnership with .records is one more step to help make that happen for our agencies and IPs. You can now use Gather for your medical record retrieval and those same records can be sent to New Life Agency if applying for a Lloyd's policy that requires underwriting and review of prior medical records. If you'd like more info, contact ART Risk or Gather Records.

Insurance can feel overwhelming at the beginning of a surrogacy journey, but we help solve that.
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Our monthly Intro to Insurance webinar is designed to give Intended Parents clarity on timing, coverage phases, and common missteps before final decisions are made. We hold these monthly whether you choose to work with ART Risk as your broker or not.
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These webinars are here to help you understand the options, timing, and know you have support if and when needed.
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Join us live. Ask questions.
🔗 Register via link in bio.

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Today we’re celebrating three people who make a meaningful impact behind the scenes every single day.
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Your dedication, perspective, and steady commitment don’t go unnoticed not only by your teammates but also by the families and professionals we serve.
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We’re grateful for the work you do and the energy you bring to this team.
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Happy Birthday to Jenn May, Bonnie, and Melissa!
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After working with hundreds of Intended Parents, seeing countless contracts, and understanding how the insurances work for surrogacy journeys, licensed Agent Michelle Holmes has some important info to share and we hope info will help people see the importance of talking through Newborn insurance early on in the journey. Have questions? Contact ART Risk to get more information for your journey or attend one of our upcoming webinars. We're here to provide clarity and guidance through the entire journey.

The biggest insurance gaps often happen before pregnancy is even confirmed because it isn't always thought of as having risks.

Medical screening is one of the most overlooked phases of a surrogacy journey but agencies have consistently asked for better protection during this stage because their GCs have experienced complications. So, a policy has been created.

Join our upcoming Professionals webinar to learn about a new Medical Screening policy and why planning for this phase matters. June 11th | 10am | Registration link in bio.