Frequently Asked Questions
Everything you need to know about Lumos Insurance.
Answers to the most common questions from partners, agents, and prospective customers.
About Lumos Insurance
What is Lumos Insurance?
Lumos Insurance is an assumed brand name of The Plateau Group, a multi-line insurance carrier founded in 1981 and headquartered in Crossville, Tennessee. We design, underwrite, and administer specialty insurance programs for banks, credit unions, MGAs, and specialty distribution partners nationwide.
Why did The Plateau Group rebrand to Lumos Insurance?
The rebrand reflects the completion of a multi-year modernization of our operating infrastructure, governance framework, and capital oversight. Lumos represents where we are strategically — a proven 45-year foundation with a modernized platform, expanded capabilities, and a broader range of solutions. The name reflects our commitment to bringing clarity to specialty insurance.
Is Lumos Insurance a new company?
No. Lumos Insurance is a new name on a proven foundation. We have been operating for 45 years, supporting more than 1,200 programs with disciplined underwriting, administration, and service excellence.
Why the name Lumos?
As we hit our 45th anniversary, we wanted something new that celebrated our legacy while allowing us to expand into the future. That started with keeping our Plateau mountains in the logo and adding a sunrise to represent clarity, insight, and forward momentum. Lumos means light — and it felt like the perfect fit for where we're headed.
What is Lumos Insurance's AM Best rating?
Lumos Insurance holds an AM Best A- (Excellent) rating, reaffirmed in January 2026. This reflects strong financial stability and claims-paying ability through its licensed carrier entities.
Who are Lumos Insurance's licensed carrier entities?
Insurance products are underwritten by Plateau Insurance Company (NAIC #97152) and Plateau Casualty Insurance Company (NAIC #10817). Each insurer is solely responsible for its own financial condition and contractual obligations.
Where is Lumos Insurance headquartered?
Lumos Insurance is headquartered in Crossville, Tennessee.
What states does Lumos Insurance operate in?
Lumos Insurance offers programs across 49 states. Availability varies by state and product line.
Credit Protection
What credit protection products does Lumos Insurance offer?
Lumos offers a full suite of credit-driven insurance and debt cancellation products — including credit life insurance, credit disability insurance, credit property insurance, and debt cancellation alternatives — designed for modern lenders and distributors seeking compliant, scalable solutions.
Who are Lumos credit protection programs designed for?
Our credit protection programs are designed for banks, credit unions, finance companies, and other lenders who need compliant, scalable solutions to protect borrowers and support responsible credit extension.
Does Lumos Insurance handle administration for credit programs?
Yes. Lumos designs, underwrites, and administers credit-related insurance and debt cancellation programs — combining regulated products with integrated operations to support compliant scale.
Are Lumos credit protection products compliant with current regulations?
Yes. Lumos takes a regulatory-first approach to product design and program administration, with SOC 2 Type 2 controls and documented governance frameworks supporting compliance at scale.
Property & Casualty
What Property & Casualty programs does Lumos Insurance offer?
Lumos enables specialty P&C programs through disciplined carrier partnerships — including contractual liability insurance programs (CLIPs), warranty products, and niche specialty programs. We work alongside MGAs and reinsurance partners to structure, launch, and scale programs with clear accountability.
Does Lumos Insurance work with MGAs and program administrators?
Yes. Lumos partners with MGAs, MGUs, and program administrators seeking A-rated carrier capacity for specialty and niche market solutions — bringing underwriting discipline, 49-state licensing, and structured governance to every program relationship.
Does Lumos Insurance support fronting and reinsurance structures?
Yes. Lumos supports fronting and reinsurance structures for qualified specialty P&C programs.
Life & Health
What Life & Health programs does Lumos Insurance offer?
Lumos supports modern Life & Health programs across several areas, including senior-focused life and longevity solutions, supplemental health insurance products, individual and group life programs, fixed and structured annuity programs, and employer-adjacent niche health programs.
Who are Lumos Life & Health programs designed for?
Our L&H programs are designed for healthcare organizations, financial institutions, senior distribution partners, and structured product innovators seeking a disciplined carrier partner for specialized or underserved markets.
Does Lumos Insurance support senior benefit and Medicare-adjacent programs?
Yes. Lumos has specific capabilities in senior life, longevity-focused products, and Medicare-adjacent benefit designs, developed to serve the growing senior population through structured distribution partnerships.
Agent & Partner Relationships
How do I become a partner or appointed agent with Lumos Insurance?
Partners and agents interested in working with Lumos can reach out through our Contact page. We review new program inquiries through a formal intake process to ensure mutual fit.
What makes Lumos Insurance a strong carrier partner?
Lumos combines 45 years of underwriting experience, an AM Best A- rating, multi-line carrier capability across both P&C and L&H, and a modernized operating platform — giving partners a stable, knowledgeable, and operationally disciplined carrier for complex and niche programs.
How long does it take to launch a new program with Lumos?
We pursue a streamlined process with the specific timing dependent on product type, regulatory requirements, and program structure.
Does Lumos support both P&C and Life & Health programs?
Yes. Lumos is a multi-line carrier with both P&C and L&H entities, giving partners the flexibility to structure and scale programs across both lines with a single carrier relationship.
What is Lumos Insurance's partner satisfaction score?
As of Q4 2025, Lumos maintains an NPS (Net Promoter Score) of 88 — a top-tier benchmark reflecting consistently high partner satisfaction and long-term loyalty.
Technology & Operations
What technology infrastructure does Lumos Insurance use?
Lumos has completed a multi-year modernization of its operating infrastructure, including centralized data visibility, API-ready integrations, and structured governance frameworks — built to support scaled production across multiple lines.
Is Lumos Insurance SOC 2 certified?
Yes. Lumos maintains SOC 2 Type 2 controls as part of its enterprise-grade security and operational posture.
What is Lumos Insurance's operational uptime?
Lumos maintains 99.9% platform uptime, ensuring operational continuity for partners and their programs.
Lumos Insurance is a marketing name used by The Plateau Group, Inc. Insurance products are underwritten by Plateau Insurance Company and Plateau Casualty Insurance Company. Each insurer is solely responsible for its own financial condition and contractual obligations. Products may not be available in all states. Availability varies by state. AM Best rating shown is for the rated insurance carrier entity(ies). Details available upon request.