Choose How You'd Like to Get Started
Protecting your family starts with a conversation. Start online, speak with a licensed professional, or choose a time that works for you.
How Lumera Life Works
STEP 1
Tell Us What You’re Looking to Protect
Answer a few basic questions about your family, goals, and coverage needs.
STEP 2
Speak With a Licensed Professional
Get clear answers and help understanding the life insurance options available to you.
STEP 3
Move Forward With Confidence
If you decide to apply, your licensed professional will guide you through the appropriate application process.
Family Income
Help provide financial support for the people who depend on your income.
Debts & Financial Obligations
Help reduce the financial burden that outstanding obligations could leave behind.
What Are You Protecting?
Life insurance is about more than a policy. It’s about helping protect the people, responsibilities, and future you’ve worked to build.
Children & Dependents
Help protect the people who rely on you today and the opportunities you want them to have tomorrow.
Final Expenses
Help reduce the financial burden of final expenses and other costs your family may face.
Mortgage & Home
Help give your family greater financial protection around the home you’ve worked to build.
Legacy & Future Opportunities
Help leave financial support for the people, goals, and future that matter most to you.
TERM LIFE INSURANCE
Coverage designed for a specific period of time, often considered for needs such as income protection, family responsibilities, or a mortgage.
Life Insurance Options
Every family is different. Understanding the basic types of life insurance is a good place to start.
PERMANENT LIFE INSURANCE
Coverage designed to remain in place for life, subject to policy terms and required premiums, with features that can vary by policy.
FINAL EXPENSE PLANNING
Coverage commonly considered to help families prepare for final expenses and other financial responsibilities that may remain.
Not sure which option may fit your needs? A licensed Lumera Life professional can help you understand your options.
GUIDANCE THAT STARTS WITH YOU
We begin by understanding the people, responsibilities, and future you want to protect.
ACCESS TO LICENSED PROFESSIONALS
Ask questions, request a quote, schedule a conversation, or speak directly with a licensed insurance professional.
Why Lumera Life?
Life insurance is personal. We believe the guidance you receive should be too.
CLEAR, STRAIGHTFORWARD ANSWERS
Our goal is to help make life insurance easier to understand so you can make informed decisions with confidence.
CARE BEYOND THE QUOTE
Behind every request for coverage is a real family and a real responsibility. We approach every conversation with the attention we would want for our own families.
OUR STORY
Life Insurance Is About More Than a Policy.
It’s about the people who depend on you, the future you’re building for them, and the promise that what you ’ve worked for can continue protecting them even when you no longer can.
Many of the people behind Lumera Life have seen firsthand how quickly life can change. Friends, parents, coworkers, mentors, and people we cared about faced circumstances no one expected—and those experiences changed the way we look at protection.
For our founder, becoming a father made that responsibility even more personal. Parenthood changes the way you think about the future—your spouse, your children, the opportunities you want them to have, and the legacy you hope to leave behind.
Our mission is to help families protect what they have worked for, prepare for what they cannot predict, and create a financial legacy for the people they love most.
Meet the People Behind Lumera Life
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TRAVIS HOOVER
Co-Founder | Licensed Insurance Agent
For Travis Hoover, Lumera Life is about more than insurance—it’s about family, responsibility, and protecting what you’ve worked a lifetime to build.
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Married to Kristina for 15 years and a father of three, Travis understands personally the responsibility that comes with protecting the people who depend on you. He co-founded Lumera Life alongside Kristina and Mike with a belief that families deserve clear guidance from people who genuinely care about their future.
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For Travis, every conversation represents a real family, a real responsibility, and a legacy worth protecting.
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KRISTINA HOOVER
Co-Founder | Licensed Insurance Agent
For Kristina Hoover, Lumera Life’s mission comes from deeply personal experience.
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After losing both her father and brother within roughly a year and a half, Kristina saw firsthand how financial responsibilities can add to the weight of an already devastating loss when adequate protection is not in place.
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As a wife and mother of three, she co-founded Lumera Life alongside Travis and Mike with a deeply personal purpose: helping families prepare for the unexpected and protect the people they love most.
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Kristina approaches every family with compassion, understanding that behind every policy is a family, a future, and a legacy worth protecting.
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MIKE MARRA
Co-Founder | Licensed Insurance Agent
With more than two decades in the insurance industry, Mike Marra has built his career around helping individuals and families protect the people and futures that matter most to them.
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A husband and father of four sons, Mike’s life is grounded in family, faith, service, and responsibility. His family’s strong connection to military service has further shaped his belief in preparing today for the people who depend on us tomorrow.
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Mike co-founded Lumera Life alongside Travis and Kristina with a commitment to providing families with experienced, thoughtful guidance and helping protect everything they have worked to build.
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For Mike, being trusted with a family’s future remains one of the greatest privileges of his career.