Reviews
This profile includes reviews for Lumico Life Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 39 Customer Reviews
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Review fromDiane P
Date: 06/18/2024
1 starDiane P
Date: 06/18/2024
Lumico has terrible customer service, they took out payment before 1st of the month & caused a banking problem that they wont refund me the fee. Asked to speak with **************** didnt get on the phone, 1 employee told me they dont except email or fax for me to send proof. Called back again & spoke to another employee, said there is fax number, Had me send proof of fee from bank from my banking settlement & still said they wont refund.
Lumico Life Insurance Company
Date: 08/04/2024
Hi *****,Thank you for reaching out and sharing your experience with us. We sincerely apologize for the inconvenience and frustration you have encountered regarding the premature payment withdrawal and the other customer service issues. Your feedback is invaluable, and we are committed to improving our services. Here's what we plan to do to address your issue:1. Premature Payment Withdrawal: We will investigate why the payment was taken out before the 1st of the month and ensure that such an issue does not recur in the future.2. Communication Channels: We will work on improving our internal communication to ensure that all representatives provide consistent and accurate information regarding our processes and accepted methods of communication.3. Supervisor Availability: We will ensure that supervisors are more accessible to address escalated concerns promptly. Again, we apologize for the inconvenience. Thank you for your patience,****Review fromMarketta D
Date: 06/04/2024
1 starMarketta D
Date: 06/04/2024
Lumico is horrible and inconsiderate. I called to get information to see if my mothers policy was in effect. They couldn't give me ANY information but took all of mine. They made me wait A WEEK only to let me know that her policy was cancelled. Why not inform me during our first initial conversation that it was cancelled? I'm already grieving and then to be left in the dark during our family time of need. The person who "helped" me on the phone was very cold and did not offer any condolences. No sincerity whatsoever. I would never recommend them to assist anyone with life changing moments. I don't understand how they're still in business. Terrible company..Lumico Life Insurance Company
Date: 08/05/2024
Hi ****, I'm sorry to hear about your negative experience with Lumico and for the loss of your mother. It's understandable that you're frustrated and disappointed with the service you received during such a difficult time. Based on the information available, there are a few factors that *** have contributed to your experience:Privacy policies: There are privacy regulations that prevent us from disclosing policy information to individuals who are not the policy owner or authorized representative. Policy status: It appears that your mother's policy lapsed on 8/26/2023 due to non-payment which is why it likely took some time to find the policy information. While these factors don't excuse the lack of empathy you encountered, they *** provide some context. Again, our sincerest apologies to you and your family. *************Review fromRICHARD B
Date: 05/07/2024
1 starRICHARD B
Date: 05/07/2024
Lumico and it's employees proved to be incompetent from the supervisors to their employees involved in the case. They made it difficult to process a policy cancellation and didn't know the legal requirements before communicating specific actions to me. I asked multiple times what I needed to do and they gave me specific actions. I completed the actions, they began to process cancellation, and then they called me multiple times for additional actions. Then they tell me they have no method of tracking the documents I send over.Lumico Life Insurance Company
Date: 05/30/2024
Hi there,I'm sorry to hear that your experience was not what you had hoped for. I also apologize for the frustration and inconvenience we caused. We accept cancellation requests by phone or email. If you're cancelling within 45 days of your policy's issue date, we will refund any payments made into the policy no questions asked. Please note that cancellation requests may only be made by the policy owner, which is typically the same as the insured unless you've specifically requested an owner change. If the request is sent via email, the sender's email address must match the owner's as it's listed on the policy for security purposes. I hope this helps,****Review fromReynaldo Y
Date: 04/24/2024
1 starReynaldo Y
Date: 04/24/2024
Hi my name is *************************** I tried to cancel the life insurance and can not! Because the person who filled out the forms is one of the people on the phone! Who works with them! I gave them the policy number and my last four of my social security! That should be enough to cancel the policy they said no! I wouldn't recommend this to anyone bunch of theifs!Lumico Life Insurance Company
Date: 05/30/2024
Hi ********,We're sorry to hear that your experience with our team wasn't what you had hoped for. We accept cancellation requests by phone or email. If you're cancelling within 45 days of your policy's issue date, we will refund any payments made into the policy no questions asked. Please note that cancellation requests may only be made by the policy owner, which is typically the same as the insured unless you've specifically requested an owner change. If the request is sent via email, the sender's email address must match the owner's as it's listed on the policy for security purposes. If you need additional support, or clarification on a specific item, please work with our customer service team. *************Review fromSusan K
Date: 03/12/2024
5 starsSusan K
Date: 03/12/2024
I love Lumico, they are a great insurance company and helpful.Lumico Life Insurance Company
Date: 04/09/2024
Hi Susan,
We're so happy to hear that your experience with us has been going well. We're grateful to have customers like you in the Lumico family.
Best,
MaryReview fromSofie J
Date: 03/11/2024
1 star0 Stars my dad passed on Dec 17th 2023 I made my Claim Dec 19th 2023 gave all required documents policy is over 2 years and has went through 3 review process has been approved by a manager but is still in home office review since ******************************************************************************************** nothing els cant talk to a supervisor No other information is given to me this is gotta be a scam theres nothing left for them to do why is it taking so long they wont even give a time limit so it can be in home office review forever ? Save Your Money Go ElswhereReview fromTracy B
Date: 03/06/2024
1 starMy mother had Lumico Life since 2020 until Feb of 2024. They sent my 85yrs old mother a letter on Feb 1st, 2024 stating her policy have been canceled. Due to a recent medical report showing in 2022 she had to get a pacemaker in which she didn't need at the time when she first gotten her policy. However, they still withdraw the premium $113 from her bank account on Feb 3rd, 2024. And since she received that letter on Feb 1st that means they already had canceled her policy in January. She had paid this company a total of $5400 that she's not going to get back. Lumico is a SCAM company that is setup to steal from customers not to payout to customers. And I see this customer name ********************** left a 5 Stars review for this SCAMMING company. Unaware that her love ones is going to be dealing with these same issues when she dies like all the rest of these victims that's leaving BAD REVIEWS!!! I told my sister to count it as a BLESSING FROM GOD!!! Even though my mother is doing awesome and have another 30+yrs left of her life. At least we know now we don't have to go through what these victims in these reviews are dealing with. We decided to get her a funeral plan instead with the Funeral Home where she will go. LUMICO, I will be getting investigation started along with Law Firm to see why these suffering family members claims are being denied and not getting any payouts. And send this information along with all these bad reviews from this platform as well as BBB platform.Review fromStephanie M
Date: 02/20/2024
1 starStephanie M
Date: 02/20/2024
I would rate this company a zero if possible. This has been an absolute nightmare for ** trying to get my mom funeral handled!!!! Accounting errors sending payments where they should t requests money back ********** back then they mail our check back with a letter about our premium unbelievable ??Lumico Life Insurance Company
Date: 02/29/2024
Hi there,I am so sorry to hear about the difficulties you've been facing while trying to handle your mother's funeral arrangements. I understand this is a very stressful and emotional time, and these accounting errors must be incredibly frustrating. Please accept my sincere apologies on behalf of Lumico for the additional burden this has placed on you. If there is anything we can do in the interim, please feel free to reach out to me directly at *********************** Thank you,****Review fromElizabeth B
Date: 02/20/2024
5 starsElizabeth B
Date: 02/20/2024
I have had a lumico Term policy for about a year and am extremely happy with them. Easy to talk to and get ahold of. Payments come out of my account on the specified date every month and I sleep better every night knowing that my family is taken care of if/when I pass away.Lumico Life Insurance Company
Date: 02/27/2024
Hi there, Thank you for being a part of the Lumico family, we're happy to help you protect you and your loved ones.Review fromCharles M
Date: 02/05/2024
1 starCharles M
Date: 02/05/2024
Firstly, this company must be crooked because I have called the main number now for two weeks and I've spent hours on the phone and no one answers. If the phone is answered no one responds for a few seconds 15 seconds and disconnects.I have paid my premiums now for two years I get a notice my payment was rejected....did I say I called for weeks to resolve the issue? I sent an email and days later I get an email and gusess what I told...to call the customer service numeber..>WTF!My advice is to not become a customer with this ********************** and I am going to put my response out to the world to show. I'm glad I am not dead what h*** my family would go through to get service.They should change thier name to "CROOKiCO"Lumico Life Insurance Company
Date: 02/09/2024
Hi *******,We're so sorry to hear that you haven't been able to get through to our customer service team. We are actively working to address the increased call volume. The best way to avoid waiting on hold is to log into our customer portal. You mentioned that your payment was rejected, in the portal you can update your payment method. Here is the link to create an account: www.myaccount.lumico.com/home/newuser. *************
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