Final expense & life insurance · Racine, Wisconsin

The kindest thing you can leave behind is a plan.

Affordable life insurance that covers your final expenses, so the people you love are never left with the bill. Real coverage, explained by a real local agent.

No call centers. No pressure. No obligation.

What you can count on

  • Ages 50–90 welcome
  • No medical exam options
  • Coverage that never expires
  • Rates locked for life
Talk to a licensed agent today
(262) 497-9046

Policies written with A-rated carriers  ·  Mutual of Omaha  ·  Americo  ·  American Amicable

Family firstRates locked for lifeNo medical exam optionsA-rated carriersReal local agentsNo call centersCoverage that never expiresRacine, WisconsinFamily firstRates locked for lifeNo medical exam optionsA-rated carriersReal local agentsNo call centersCoverage that never expiresRacine, Wisconsin

About us

A small agency that treats you like family.

We're an independent agency out of Racine, Wisconsin, built on one simple belief: families deserve honesty and protection, not pressure. We sit down with every client the way we would with our own parents, and we take the time to find the right coverage at the right price.

When you call, you get a licensed agent who knows your name, not a script in a call center.

01

Family first

We treat every client the way we'd want someone to treat our own parents and grandparents. Honesty over pressure, every time.

02

Licensed and trusted

We write policies with A-rated carriers like Mutual of Omaha, Americo, and American Amicable.

03

Craft over volume

We'd rather take the time to find the right coverage at the right price than rush you into the wrong plan.

04

Here for life

We don't disappear after the sale. Your agent stays your agent for the life of your policy.

$0

what a funeral can cost a family with no coverage in place

50–0

the ages we welcome, with no-exam options at every step

$0

rate increases on a level plan — your premium never goes up

Know the truth

Myths, meet facts.

There's a lot of confusion about final expense coverage. Tap any card for the truth.

01Myth

I'm too old or too unhealthy to qualify.

02Myth

Final expense insurance is too expensive for me.

03Myth

My family can just cover the funeral out of pocket.

04Myth

The life insurance through my job is enough.

05Myth

It takes months for my family to see any money.

06Myth

My coverage shrinks and my rate climbs as I get older.

Coverage, rates, and availability vary by age, health, and state. Exact options and pricing are confirmed by a licensed agent.

Contact

Talk to us.

Questions about coverage, or ready for a free quote? Call us and a real, licensed agent will walk you through it. No pressure.

Call us today
(262) 497-9046
Visit us
Lumos Life & Legacy
420 7th St, Racine, WI 53403

Request a free quote

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