Credit Life, Health & Property Insurance + Debt Cancellation alternatives.
Lumos designs, underwrites, and administers credit-related insurance and debt cancellation programs for modern lenders and distributors—combining regulated products with integrated operations to support compliant scale.
Where we focus in Credit Protection
Three integrated program areas designed to operate as a single, compliant credit protection platform.
Credit Life, Health & Property Insurance
Regulated insurance products that protect borrowers and lenders across credit-based transactions.
- Credit Life & Credit Disability (A&H)
- Credit property insurance
- Group and individual program structures
- Multi-state compliant underwriting
Debt Cancellation Programs
Flexible, lender-aligned alternatives to insurance designed to support customer choice and portfolio strategy.
- Single premium and monthly pay options
- Custom benefit and term structures
- Regulatory filing and compliance support
- Partner-aligned economics
Administration & Platform Services
End-to-end program administration built for scale, visibility, and operational discipline.
- Policy & certificate administration
- Claims coordination and servicing workflows
- Billing, reporting, and compliance oversight
- API-ready partner integrations
Ready to protect your portfolio with clarity?
Whether you're launching a new credit protection program or modernizing an existing one — tell us where you are and we'll show you exactly how Lumos fits.