Lumico | Life & Health Products

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Life Insurance Health Insurance

Life Insurance

We offer three of the most common types of life insurance. These products can be selected based on the one that best fits the reason you want life insurance and is most useful for the specific needs of your family.

Protect Now Term

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Final Expense

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Whole Life

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Health Insurance

We offer two types of health insurance. These products can be selected based on the reasons that best fit your need for health insurance.

Medicare Supplement

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Accidental Death

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A quick comparison of our Life Insurance products

Protect Now Term

Whole Life

Simplified Issue Final Expense

Overview

Ideal for: young families who want to cover needs with a specific time horizon, such as a mortgage or a college tuition

Ideal for: families seeking lifetime coverage, a guaranteed death benefit, and access to funds because Whole Life accrues cash value each year

Ideal for: seniors who want to ensure their funeral is paid for or leave a little something for their kids or grandkids

Issue Ages*

18 to 65

18 to 70

40 to 85

Coverage Lengths*

Lasts for 10, 15, 20 & 30 years**

Lasts until end of life***

Coverage Amount*

$25,000 to $1M

$30,000 to $1M

$5,000 to $50,000

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*Coverage length and amounts dependent on age and risk classes. Please refer to the product specifications for more information.

**Premiums are level for this period then increase annually through age 95.

***Premiums are level for this period then increase annually through age 121.

A quick comparison of our Health Insurance products

Medicare Supplement*

Accidental Death

Overview

Ideal for: people with Medicare who want to secure additional coverage to help with expenses such as under covered co-pays and deductibles

Ideal for: families looking for an easy way to safeguard your loved ones, in case you are fatally injured from an accident.

Issue ages

65 or older

18 to 59

Coverage Amount**

Selection of plans to meet your budget

Coverage up to $250,000

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*Coverage length and amounts dependent on age and risk classes. Please refer to the product specifications for more information.

**Premiums are level for this period then increase annually through age 95.

***Premiums are level for this period then increase annually through age 121.

Products for everyone’s needs

Life Insurance

Health Insurance

A quick comparison of our Life Insurance products

A quick comparison of our Health Insurance products

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