Transform Your Life Insurance Business with One Unified, Open Ecosystem
Luma streamlines life insurance distribution by integrating every workflow into one intuitive, connected solution. Advisors gain clearer insight and consistent processes, while firms increase efficiency, strengthen compliance, and deliver better experiences across the entire lifecycle.
Award-Winning Technology at Work
Watch the video to learn how Luma unifies life insurance quoting, applications, and servicing in one comprehensive ecosystem, built on the same proven technology that redefined annuities.
FROM
Disjointed Processes
TO
Seamless Solutions
Disconnected systems requiring multiple logins and manual workarounds
Centralized, Real-Time Oversight: Unified access across carriers, advisors, and clients provides full visibility. Faster insights drive quicker decisions, reduce risk, and improve client outcomes.
Limited visibility into workflows, case statuses, and in-flight applications
Streamlined Operations: Integrated quoting, application, and servicing accelerate turnaround times, reduce errors, and expand operational efficiency without additional headcount.
Slower processing times that reduce client satisfaction and delay policy issuance
Enhanced Client Experience: Faster, more transparent service builds client confidence, increases successful policy issuance, and deepens long-term client relationships.
Fragmented advisor tools that create friction in daily workflows
Empowered Advisors and Retention: Simplified workflows simplify advisor processes, boost adoption, and improve efficiency, driving stronger long-term loyalty.
From Disjointed Processes to Seamless Solutions
Click on each business challenge to see how Luma solves it.
Discover Luma's Insurance Ecosystem
Product Marketplace
- Search, compare, and quote life insurance products from top carriers, giving advisors faster access to the right solutions.
- Custom quote design tailored for protection, accumulation, or long-term care, so financial professionals can meet diverse client needs.
- Integrated electronic application submission, which reduces NIGO statuses and accelerates case turnaround.
Lifecycle Manager
- Full visibility across all life insurance policies regardless of carrier or order entry system, improving oversight and compliance.
- Create custom views, export data, and track activity, enabling back-office efficiency and better decision-making.
- Automated alerts on client policy events such as surrenders and withdrawals, allowing proactive service and reducing risk.
Learning Center
- Access educational content and resources so advisors can serve clients with greater confidence.
- Carrier NAIC product training and marketing collateral, streamlining compliance and advisor readiness.
- Robust library of educational videos, designed to accelerate adoption and support ongoing advisor development
Invest
Product
Marketplace
- Search, compare, and quote life insurance products from top carriers, giving advisors faster access to the right solutions.
- Custom quote design tailored for protection, accumulation, or long-term care, so financial professionals can meet diverse client needs.
- Integrated electronic application submission, which reduces NIGO statuses and accelerates case turnaround.
Manage
Lifecycle Manager
- Full visibility across all life insurance policies regardless of carrier or order entry system, improving oversight and compliance.
- Create custom views, export data, and track activity, enabling back-office efficiency and better decision-making.
- Automated alerts on client policy events such as surrenders and withdrawals, allowing proactive service and reducing risk.
Learn
Learning Center
- Access educational content and resources so advisors can serve clients with greater confidence.
- Carrier NAIC product training and marketing collateral, streamlining compliance and advisor readiness.
- Robust library of educational videos, designed to accelerate adoption and support ongoing advisor development
One Unified System. Complete Solutions. Seamless Growth.
By connecting life insurance and annuities in a single ecosystem, firms gain access to a unified experience that enables cross-sell opportunities.
This integrated approach reduces NIGO rates, cuts processing times, and provides full visibility across both product lines while deepening client trust and supporting stronger relationships.
Delivering Impact Today, Building Growth for Tomorrow
For Financial Professionals
- Accelerate revenue recognition through faster processing
- Reduce NIGO rates with integrated applications
- Save time through streamlined workflows
For Firms
- Strengthen oversight and reduce operational risk
- Gain scalable operational efficiency
- Improve advisor retention through simplified tools
For Clients
- Faster policy issuance and transparent service
- Access to comprehensive protection strategies
- Proactive service through automated monitoring
Transform Your Insurance Solutions with Luma
Join the growing community of forward-thinking insurance agents and firms leveraging Luma to enhance client interactions.
