Purpose-built
Life & Health Programs.
Lumos designs and supports Life & Health programs that balance disciplined risk management with modern execution — helping partners launch, scale, and operate with clarity and confidence.
Where we build and partner in
Life & Health
Lumos designs and underwrites its own Life & Health products—and partners with organizations seeking a carrier to bring new programs to market on our paper, with disciplined risk management and scalable operations.
Life insurance & annuity programs
Carrier-led life and annuity products, with flexibility to support partner-driven program concepts.
- Individual and group life insurance products
- Fixed and structured annuity programs
- Partner-sponsored programs placed on Lumos paper
- Regulatory, underwriting, and risk oversight by Lumos
Supplemental & specialty health
Carrier-backed supplemental and health-adjacent offerings, including partner-originated concepts.
- Supplemental health insurance products
- Employer-adjacent and niche health programs
- Program development for new product ideas
- End-to-end carrier support and compliance
Senior-focused Life & Health solutions
Products and programs designed specifically for senior distribution and benefit needs.
- Senior life and longevity-focused products
- Medicare-adjacent and senior benefit designs
- Ongoing administration and reporting
Let’s talk about your next Life & Health program
Whether you’re exploring healthy aging, senior care, stop-loss, supplemental strategies or any othe L&H need, we’ll help you structure the program and build an operating cadence that stays steady as you scale.