Privacy Policy
Effective Date: September 4, 2026
Lumera Life LLC (“Lumera Life,” “we,” “us,” or “our”) respects your privacy and is committed to being transparent about how we collect, use, and protect information you provide through our website, forms, communications, and services.
By using this website or submitting information to Lumera Life, you acknowledge the practices described in this Privacy Policy.
Information We Collect
We may collect information that you voluntarily provide to us, including:
- Name
- Phone number
- Email address
- State of residence
- Age or date of birth
- Desired coverage amount
- Insurance interests or coverage goals
- Appointment information
- Communication preferences
- Information you provide while speaking with a licensed insurance professional
If you choose to pursue insurance coverage, additional information may be requested as part of the application or underwriting process. Depending on the product and carrier, this may include financial, health, lifestyle, beneficiary, or other information required by the insurance company.
Please do not submit highly sensitive information through a general website contact form unless specifically instructed to do so through a secure process.
Information Collected Automatically
When you visit our website, certain information may be collected automatically, including:
- IP address
- Browser type
- Device type
- Operating system
- Pages visited
- Referring website
- Date and time of visits
- General website interaction data
- Cookies and similar technologies
We may use this information to operate the website, understand how visitors use it, improve our services, measure marketing performance, and maintain website security.
How We Use Information
We may use the information we collect to:
- Respond to quote requests
- Contact you regarding insurance options
- Schedule and manage appointments
- Provide information requested by you
- Connect you with an appropriately licensed insurance professional
- Assist with insurance applications when requested
- Provide appointment confirmations and reminders
- Send service-related communications
- Send marketing communications when you have provided appropriate consent
- Maintain customer and prospect records
- Improve our website, services, and customer experience
- Prevent fraud, misuse, or security issues
- Meet legal, regulatory, licensing, and compliance obligations
Insurance Professionals and Insurance Carriers
Lumera Life is not an insurance carrier.
If you choose to pursue coverage, information may be shared with appropriately licensed insurance professionals, insurance agencies, insurance carriers, underwriting organizations, or other service providers as reasonably necessary to provide quotes, evaluate available insurance options, process applications, or service coverage.
The insurance carrier ultimately determines eligibility, underwriting requirements, rates, policy issuance, and coverage terms.
Service Providers
We may use third-party service providers to support our business, including providers for:
- Website hosting
- Customer relationship management
- Appointment scheduling
- Email and text messaging
- Telephone services
- Analytics
- Advertising
- Data storage
- Security
- Insurance processing
These providers may process information on our behalf as necessary to perform their services.
Text Messages and Telephone Communications
If you provide your telephone number and consent to receive communications, Lumera Life may contact you by telephone or text message regarding your inquiry, quote request, appointment, application, service updates, or other permitted communications.
Marketing text messages will be sent only where appropriate consent has been obtained.
Message frequency may vary. Message and data rates may apply.
You may opt out of text messages at any time by replying STOP. You may reply HELP for assistance.
Consent to receive marketing communications is not a condition of purchasing insurance.
Email Communications
You may receive emails concerning your request, appointment, insurance inquiry, or other services.
You may unsubscribe from marketing emails using the unsubscribe option contained in the message. Certain transactional or service-related communications may still be sent when necessary.
Cookies and Analytics
Lumera Life may use cookies, analytics services, advertising technologies, or similar tools to understand website usage and improve performance.
Your browser may allow you to block or delete cookies. Certain website functions may operate differently if cookies are disabled.
How We Share Information
We may disclose information:
- With licensed insurance professionals assisting you
- With insurance carriers when you request quotes or pursue coverage
- With service providers supporting our operations
- When required by law, regulation, subpoena, court order, or governmental request
- To protect the rights, safety, property, or security of Lumera Life, our customers, or others
- In connection with a merger, acquisition, restructuring, financing, or transfer of business assets
Lumera Life does not sell personal information for monetary consideration.
Certain analytics or advertising technologies may be considered “sharing” under some state privacy laws. Where applicable, Lumera Life will provide legally required choices or disclosures.
Data Security
We take reasonable administrative, technical, and organizational measures designed to protect information in our possession. However, no website, electronic transmission, database, or storage system can be guaranteed to be completely secure.
Data Retention
We retain information for as long as reasonably necessary to provide services, maintain business and customer records, comply with legal and regulatory requirements, resolve disputes, and enforce agreements.
Your Privacy Choices
Depending on where you live, applicable law may provide rights regarding your personal information. These may include rights to request access, correction, deletion, or information regarding certain uses or disclosures.
To make a privacy-related request, contact us using the information below. We may need to verify your identity before completing certain requests.
Children’s Privacy
Lumera Life's services are intended for adults seeking information regarding insurance products.
Our website is not directed toward children under 13, and we do not knowingly seek to collect personal information from children under 13 through our website.
Third-Party Websites
Our website may contain links to websites operated by third parties. Lumera Life is not responsible for the privacy practices, security, or content of third-party websites.
Changes to This Privacy Policy
We may update this Privacy Policy periodically. The effective date at the top of this page will indicate when the policy was most recently updated.
Contact Us
For questions regarding this Privacy Policy or your personal information, contact:
Lumera Life LLC
Email: admin@lumeralife.com
Phone: (260) 498-5118