In episode 95 of Venture Everywhere, Scott Hartley, Co-founder and Managing Partner of Everywhere Ventures, sits down with Laura McDonald, Co-founder and CEO of Flora — the first individually owned fertility insurance solution available for individuals or via employers. Laura shares Flora's journey to creating accessible, portable fertility coverage that moves with policyholders regardless of their employment status, addressing a critical gap in reproductive healthcare financing. Laura also discusses how she and co-founder Dr. Christy Lane built proprietary actuarial models from the ground up, secured A-rated reinsurers, and assembled a world-class team to bring this category-defining product to market.

In this episode, you will hear:

Applying actuarial innovation and fertility data to build predictive models.
Creating a new insurance category merging life, health, and P&C for reproductive care.
Flora’s portable fertility benefits that lower employer costs and boost retention.
Expanding access through voluntary programs like FSAs, HSAs, and ICHRAs.
Developing a low-code/no-code platform to digitize underwriting and claims.

Learn more about Laura McDonald | Flora

LinkedIn: https://www.linkedin.com/in/laurajaynemcdonald/

Website: https://heyflora.com/

Learn more about Scott Harley | Everywhere Ventures

Linkedin: https://www.linkedin.com/in/scotthartley/

Website: https://everywhere.vc/ | https://scotthartley.com/

Fertility in Full FLORA: Laura McDonald with Scott Hartley