Terms & Conditions
Effective Date: September 4, 2026
Welcome to Lumera Life.
These Terms & Conditions govern your use of the Lumera Life LLC website, forms, scheduling tools, communications, and related online services.
By using this website, you agree to these Terms & Conditions.
Informational Purposes Only
Information provided on this website is intended for general educational and informational purposes.
Nothing on this website constitutes a guarantee of insurance coverage, eligibility, approval, premium, benefit amount, underwriting result, or policy issuance.
Lumera Life Is Not an Insurance Carrier
Lumera Life LLC is not an insurance company and does not itself underwrite, issue, or guarantee insurance policies.
Insurance products are issued by third-party insurance carriers.
Licensed insurance professionals may assist consumers in understanding available options and completing insurance applications.
No Coverage Is Created Through This Website
Submitting a quote request, completing a website form, speaking with a representative, receiving an estimate, or scheduling an appointment does not create or bind insurance coverage.
Coverage exists only after all applicable carrier requirements have been satisfied and an insurance policy has been issued and placed in force according to the carrier’s terms.
Quotes and Insurance Information
Any quote, premium estimate, benefit illustration, product description, or other insurance information is subject to change.
Final pricing and eligibility may depend on factors including:
- Age
- Health
- Medical history
- Tobacco or nicotine use
- Coverage amount
- Product type
- State of residence
- Underwriting
- Carrier guidelines
- Other information requested by the insurer
The applicable insurance carrier makes the final underwriting and policy-issuance decision.
Licensing and Product Availability
Insurance products and services are offered only through insurance professionals who are appropriately licensed and, where required, appointed to transact insurance in the applicable jurisdiction.
Not every product, carrier, or coverage option is available in every state.
Accuracy of Information
You agree to provide accurate information when requesting quotes, scheduling appointments, communicating with our representatives, or pursuing insurance coverage.
Incomplete or inaccurate information may affect available insurance options, underwriting, pricing, or eligibility.
Communications
By providing your contact information, you authorize Lumera Life to respond to your request using the contact information you provide, subject to your communication preferences and applicable law.
If you separately consent to marketing text messages, Lumera Life may send marketing communications to the telephone number provided.
Message frequency may vary. Message and data rates may apply.
Reply STOP to opt out of text messages or HELP for assistance.
Consent to marketing communications is not a condition of purchasing insurance.
Appointment Scheduling
Appointments scheduled through our website are intended to connect you with a licensed insurance professional.
Appointment availability may change based on agent schedules.
Lumera Life may reschedule, reassign, or cancel appointments when reasonably necessary.
Electronic Communications
You agree that communications, notices, confirmations, and records may be delivered electronically where permitted by law.
Third-Party Services and Links
Our website may contain links to or integrations with third-party websites and services.
Lumera Life does not control and is not responsible for the availability, content, security, privacy policies, or practices of independent third-party websites.
Intellectual Property
Unless otherwise indicated, the Lumera Life name, logo, graphics, website design, written content, and other branding materials are owned by or licensed to Lumera Life LLC.
They may not be copied, reproduced, modified, distributed, or used for commercial purposes without permission.
Prohibited Use
You may not use this website to:
- Violate applicable law
- Submit false or fraudulent information
- Attempt unauthorized access to systems or accounts
- Interfere with website security or operation
- Introduce malicious code
- Misuse Lumera Life’s intellectual property
- Impersonate another individual or entity
Disclaimer of Warranties
The website and its content are provided on an “as available” basis.
To the extent permitted by law, Lumera Life makes no warranty that the website will always be uninterrupted, error-free, or completely secure.
Limitation of Liability
To the extent permitted by applicable law, Lumera Life LLC and its owners, employees, contractors, representatives, and affiliated professionals will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of this website.
Nothing in these Terms limits liability where such limitation is prohibited by law.
Changes to These Terms
Lumera Life may update these Terms & Conditions periodically.
Continued use of the website after changes become effective constitutes acceptance of the revised Terms.
Governing Law
To the extent permitted by applicable law, these Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.
Contact
Questions concerning these Terms may be directed to:
Lumera Life LLC
Email: admin@lumeralife.com
Phone: (260) 498-5118