Lumico®
Final Expense coverage that’s easy for you and your clients.
Competitive pricing, attractive compensation, simple & digital application process.

Are you currently selling Final Expense?

Then consider…

  • Table Stakes Rates & Commission
  • Immediate Underwriting Decision
  • True Paperless e-Application
  • In-person or telephone
  • Your Customers need Final Expense
  • Quick learning curve – “Smart F.E.”
  • Name – Part of Swiss Re (1865)
  • Less pending requirements

Health Questions Spotlight

KNOCK-OUT – As close to Guaranteed Issue as you can get

  • Are you currently hospitalized, in a nursing facility, confined to a bed, or receiving hospice care?
  • Have you been diagnosed by a member of the medical profession with a terminal condition (terminal condition means a medical condition resulting from injury or illness that is reasonably expected to result in the drastically limited life span of the Insured within 12 months or less)?
Modified Death Benefit Pays % of Face Amount
1st Year 10%
2nd Year 25%
3rd Year - UNLESS death occurs as a result of an accident 50%
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