Insurance Disclosures
Effective Date: September 4, 2026
Please review the following important information regarding insurance services offered through Lumera Life.
Lumera Life Is Not an Insurance Carrier
Lumera Life LLC is not an insurance company and does not itself underwrite or issue insurance policies.
Insurance coverage is issued by third-party insurance carriers.
Licensed Insurance Professionals
Insurance solicitation, recommendations, applications, and sales are conducted only by insurance professionals who hold the licenses required for the applicable transaction and jurisdiction.
Where required, an insurance professional must also hold the appropriate appointment or authorization with the insurance carrier involved.
Availability Varies
Insurance products, carriers, coverage amounts, features, premiums, underwriting requirements, and availability vary based on factors that may include:
- State of residence
- Age
- Health
- Medical history
- Tobacco or nicotine use
- Coverage amount
- Product type
- Carrier underwriting guidelines
- Other individual circumstances
Not every product or insurance carrier is available in every state.
No Guarantee of Coverage
Submitting information through this website, requesting a quote, receiving an estimate, speaking with an insurance professional, or completing an application does not guarantee approval or insurance coverage.
The applicable insurance carrier determines eligibility, premium rates, underwriting classification, policy terms, and whether coverage will be issued.
No Coverage Until Issued
Insurance coverage is not effective merely because a quote has been requested or an application has been submitted.
Coverage becomes effective only in accordance with the terms and conditions established by the issuing insurance carrier.
Website Information
Information provided on this website is general in nature and is intended to help consumers understand insurance concepts and available options.
Website content should not be interpreted as a complete description of any specific insurance policy.
The actual insurance contract, including all exclusions, limitations, conditions, riders, benefits, and definitions, controls in the event of any difference between general website information and a policy.
Carrier References
Any references to insurance carriers, insurance products, trademarks, or logos remain the property of their respective owners.
The presence of a carrier name or logo does not by itself imply endorsement, sponsorship, or availability of that carrier's products to every consumer.
Carrier relationships and product availability may change.
No Government Affiliation
Lumera Life LLC is a private business.
Lumera Life is not affiliated with, endorsed by, sponsored by, or operated by any federal, state, or local government agency.
Licensed Agent Verification
Consumers may verify the license status of an insurance producer through the applicable state department of insurance or other appropriate regulatory authority.
Individual Circumstances Matter
Insurance decisions should be based on your personal needs, financial responsibilities, family circumstances, objectives, and available options.
A licensed insurance professional can help explain product features and answer questions before you decide whether to apply.
Contact
For questions regarding these disclosures or insurance services offered through Lumera Life, contact:
Lumera Life LLC
Email: admin@lumeralife.com
Phone: (260) 498-5118