Lumico Life Insurance Login – How To Access & Manage Your Account
If you are looking for how to manage your Lumico Life Insurance login portal and you don’t know how to go about it, good you are here. First of all, the Lumico Life Insurance Login offers you safe access to manage your insurance policies as a policyholder, check and file a claim online, make your Lumico Life Insurance payment, access your customer login dashboard, view your policy details, view statement, contact customer service, and many more.
This post will guide you on everything you need to know how you can access the Lumico Life Insurance login portal. If you are a registered policyholder with Lumico Life Insurance, you can manage your account from the comfort of your home using your mobile app or web browser.
Lumico Life Insurance Overview
Lumico Life Insurance is one of the best insurance companies in the United States of America with its headquarters based in Armonk, New York. The insurance company was founded in 1865 with the aim of solving two big problems, which are life and health insurance problems. Lumico Life Insurance company is a life and health insurance company committed to protecting high-value insurance products at an affordable price, with an easier process and have competitive prices with no hidden fees, in other words, what you see is what you pay.
The insurance company has over the years provided coverage protection for over 225,000 families. With 50 years’ experience of insuring families, the company has been rated 4.5 customer average star rating out of 5.
According to “A” A.M. Best rating, the leading rating agency, Lumico is rated “A” (Excellent) as the second highest rating that is awarded meaning that Lumico is financially stable and secure. Better Business Bureau (BBB)2 was also rated Lumico “A+” to show that it is committed to providing excellent customer service and for operating in a way that people can trust.
Lumico Life Insurance Products
Lumico Life Insurance offers a broad range of insurance products to its existing and prospective clients, and they include the following:
Life Insurance:
1. Protect Now Term: Lumico Protect Now Term allows you to protect your loved ones from debt for specific life events in your absence like paying for a mortgage, replacing lost income, or sending your children to college. With Lumico Protect Now Term, you’ll provide your family with the confidence and peace of mind they need to feel financially protected in the future. This type of Lumico Life Insurnace does not require a medical exam and it is affordable and at instant decision.
| Product Specification: | |
| Term lengths and issue ages | 10, 15 and 20 year term: ages 18-65 30-year term: ages 18-50 |
| Minimum face amount | $25,000 |
| Risk classes and maximum face amount | Platinum: $1M ages less than 65, $250K for age 65 Gold: $500K ages less than 65, $250 for age 65 Silver Non-Tobacco: $250K for all ages Silver Tobacco: $100K for all ages Bronze: $100K for all ages |
| Premium frequency | Annual, semi-annual, quarterly, monthly |
| Rider options | Included Accelerated Death Optional Accidental Death Dependent Child Waiver of Premium |
| Replacements | Yes* |
2. Whole Life: Lumico Whole Life insurance is a simple protection solution with affordable premiums and guaranteed cash value. On top of lifelong protection, qualified applicants receive instant decision and immediate coverage.
| Product Specification: | |
| Issue Ages | 18- 70 |
| Minimum face amount | $30,000 |
| Maximum face amount | $1,000,000 for ages 18-64 $250,000 for ages 65-70 |
| Cash values | All values guaranteed Cash value equals face amount at age 121 and is paid to the owner if insured is still alive and policy is still in force Cash value can be accessed via policy loan (no partial surrenders) |
| Premium structure | Level and payable to age 120 Premiums guaranteed for life of policy |
| Premium frequency | Annual, semi-annual, quarterly, monthly |
| Rider options | Included Accelerated Death Optional Accidental Death Dependent Death |
| Replacements | Yes* |
3. Simplified Issue Final Expense: this is a whole life insurance policy that has a small death benefit. Frequently, SIFE insurance is commonly referred to as “funeral insurance,” or “burial insurance” and is a small whole life policy with a death benefit of $5,000 to $50,000.
| Product Specification: | |
| Issue Ages | Ages 40-80 Preferred and Modified Ages 40-85 for Standard |
| Minimum face amount | $5,000 |
| Maximum face amount and risk classes* | $50,000 for Preferred at ages 40-60 $40,000 for Preferred at ages 61-70 $30,000 for Preferred at ages 71-75 $20,000 for Preferred at ages 76-80 $30,000 for Standard $15,000 for Modified |
| Policy Expiry | Age 121 |
| Premium Frequency | Annual, semi-annual, quarterly, monthly |
| Premium frequency | Annual, semi-annual, quarterly, monthly |
| Rider options | Included Accelerated Death Optional Accidental Death |
| Replacements | Yes* |
4. Health Insurance
Medical Supplement: Lumico offers medicare Supplement insurance and one of the most commonly needed health insurance products for people who are 65 or older. This type of insurance complements your original Medicare (Part A and B) by helping to cover medical expenses, while giving them the freedom to choose their medical providers.
Lumico Life Insurance Login Benefits
There are various benefits you stand to enjoy as a policyholder, and it makes it for you to always access your Lumico Life Insurance account and they include the following:
- Manage your policies
- Schedule and make payments
- Update and change your beneficiaries
- Download statements
- Change your address
- Check the status or file your claim
How to Create Lumico Life Insurance Account
If you want to login to your account, you must first register your account to get access by following the steps below.
- Go to the Lumico Life Insurance registration page – https://www.myaccount.lumico.com/Home/NewUser in the web browser of your device.
- Next, enter your email address, last 4 of SSN, and date of birth in the specified fields.
- Click on “Register”.
- On the next page, follow the prompt to create your “Username” and “Password” to complete your registration.
Lumico Life Insurance Login Guide
Now that you have successfully created your account, you can now login to your account by following the steps below.
- Go to the Lumico Life Insurance login page – https://www.myaccount.lumico.com/in the web browser of your device.
- Next, enter your “username” and “password”.
- Click on “Log In”.
How to Change your Lumico Life Insurance Login Password or Username
If you lost your password or username, do not panic, the steps below will guide you on everything you need to know.
- Go to the Lumico Life Insurance login page – https://www.myaccount.lumico.com/in the web browser of your device.
- Click on either “Forgot User Name” or “Forgot Password.”
- To retrieve your username, click on “Forgot User Name” and it will redirect you to another page.
- Enter your email address, last 4 of SSN, and date of birth
- Click on “Retrieve user name”
- On the next page, follow the prompt to reset your user name by entering your new username.
- To retrieve password, click on “Forgot Password” and it will redirect you to another page.
- Enter your “User Name” in the specified field
- Next, click on “Submit” and it will take to the next page where a reset link will be sent to you, click on the link and enter your new password.
How to Contact your Lumico Life Insurance Customer Service
If you want to file a claim, make payment, or reach out to the customer service team for any complaint, kindly use the medium below:
- Lumico Customer Contact Center
Phone: 866-440-4047
Fax: 402-479-0141
Email: [email protected]
- Confirm Payment Status
Contact us at 1-866-440-4047 Monday through Friday from 8:00 AM to 6:30 PM Central Standard Time and Saturday from 8:00 AM to 12:00 PM Central Standard Time.
- Request Claim Status
Contact us at 1-866-440-4047 Monday through Friday from 8:00 AM to 6:30 PM Central Standard Time and Saturday from 8:00 AM to 12:00 PM Central Standard Time. If your claim has been approved, allow 7 to 10 business days to receive your payment.
How to File a Claim at Lumico Life Insurance
Complete the Claimant Statement form. Refer to the instructions for additional documentation that must be submitted for the claim. The claim form can be printed from the Home page or from the Forms menu option if you are logged into the Customer Portal. Claim form for all states except New York and Claim Form for New York .
If you want to start your claim process, kindly follow the steps below.
1. Start your claim process –
Call Lumico Life Insurance at 1-866-440-4047 (Press 2),
Monday – Friday, 9 AM to 5:30 PM EST
When you’re on the phone, you will need to provide:
- The insured’s full name and date of birth
- The policy number (don’t worry if you don’t have this)
- The last four digits of the insured’s Social Security Number
- Then, click on the orange “Next” button to go to the next page.
- Submit your Claim Paperwork
After initiating the claim, you have two options. We can mail the claim packet to you, or you can download and print the forms yourself.
Receiving a claim packet by mail
We will mail a claim packet to all beneficiaries – this can take up to 7-10 business days to receive. The forms that are in the packet should be filled out and mailed back to us as quickly as possible.
Downloading and printing forms
If you wish to download and print forms yourself, you may access those here by clicking the button below or clicking on the ‘Forms’ tab above.
2. Returning your forms by mail
The forms in the packet should be filled out and mailed back to us as quickly as possible.
Mailing addresses
Regular mail
P.O. Box 83303
Lincoln, NE
68501-3303
Overnight mail
777 Research Dr
Lincoln, NE
68521
Returning your forms by fax
If you’d prefer to fax the forms to us, that’s fine too. Forms can be faxed to 1-402-479-8924; please note that we may require a certified death certificate to be mailed in some instances.
Helpful tip: When ordering a certified death certificate, you may wish to proactively order a few extra copies to have on hand in case you need them for other aspects of settling the insured’s estate or filing additional insurance claims.
Once you have completed this step, click on the “Next” button to take you to the next step.
3. We’ll review your claim
The next step is to give Lumico Life Insurance time to review your claim before the last step.
Lumico Life Insurance’s goal is to pay every legitimate claim as quickly as possible. For claims that do not require a medical review, we decide and issue payment within 7-10 business days from the time we receive all completed claim forms and the certified death certificate. If your claim is contestable, we must perform a more thorough review by obtaining historical medical records to validate the insured’s health status at the time of application. It can take 45 days or more to process and pay the benefit depending on how quickly we receive the requested documents from the insured’s healthcare providers. During this time, you will receive status updates via letters in the mail.
Once you finish reading your information, click on the “Next” button.
4. We’ll make a decision about your Claim
The next step is to give Lumico Life Insurance time to review your claim and decide when to make your claim payment.
Once Lumico Life Insurance has received all claims requirements and completed our review, you will be notified of our decision by mail. You may choose to have benefits sent to you via paper check or automatic deposit. In situations where a full benefit cannot be paid, you will be notified via mail. Finally, click on the “Finish” button.
