Thank you for putting your trust in Lumico.

In the midst of the coronavirus outbreak, we remain committed to protecting you and your loved ones. We’re here and ready to handle all of your questions and service all claims in a timely manner.

Your health and well-being are important to us.

Below is a Q&A to help clarify some myths and facts around the coronavirus (COVID-19), compiled from the Center for Disease Control and Prevention (CDC). For further education on COVID-19, please visit the CDC's website.

Does my Lumico life insurance policy cover COVID-19?
Current active Lumico life policies will have coverage for COVID-19, as long as the policyholder discloses any underlying conditions on their application, or during the application review process in underwriting.
Will Medicare cover care for COVID-19?

Testing for COVID-19 is covered under Medicare Part B when it is ordered by a doctor or another health care provider that accepts Medicare, and if the test was ordered after February 4, 2020.


Any needed outpatient services will be covered under Part B, and for any medically necessary hospitalization, it will be covered under Medicare Part A rules. The costs you are responsible for under Medicare Part A include a deductible of $1,408 for each stay, and daily coinsurance if your stay exceeds 60 days. The Lumico Med Supp product will cover Medicare Part A and B coinsurance and/or deductibles according to the plan you chose.

Who should I contact if I want to evaluate getting more insurance coverage from Lumico?
If you have any questions about your existing insurance coverage or future needs, please contact your insurance agent directly.
What is Lumico doing to assist its policyholders?

Lumico remains committed to our customers during these difficult times. We are pleased to advise on the accommodations Lumico is taking to ensure you maintain your insurance coverage. To assist our policyholders during this public health emergency, Lumico implemented the following measures:

  • Allowing continuance insurance coverage by extending grace periods. Please note: this extension period is in accordance with state-specific requirements and is subject to modification depending on the ever-changing landscape relating to the COVID-19 pandemic.
  • Waiving any fees, interest, penalties, or other charges relating to an insured's temporary inability to submit premium payments.
  • Providing policyholders with various repayment options.

For New Jersey policyholders who are experiencing financial hardship due to COVID-19 and are in good standing with us on March 1, 2020, we will:

  • Provide you with at least a 90-day grace period to pay your premium. You may elect this 90-day emergency grace period to begin retroactively on April 1, 2020, or opt for the grace period to begin on May 1, 2020. During this extended grace period, we cannot cancel your policy or contract for nonpayment of premium.
  • Waive late payment fees otherwise due, including any interest, and not report late payments to credit rating agencies during the 90-day period.
  • Allow premiums due but not paid during the 90-day period to be paid over the course of 12 months in equal installments if lump sum payment is not feasible.
  • Extend to 90 days the period to exercise your rights and benefits under the policy or contract.

For Delaware policyholders who are experiencing a financial hardship due to COVID-19, and have past-due premiums from March 25, 2020 through July 1, 2020, the following options are available to address past-due premiums:

  • Pay all past-due premiums without fees, penalties or interest; or
  • Pay back due premiums in equal installments over a 12-month period without fees, penalties or interest; or
  • Deduct the current past-due premiums without fees, penalties or interest from the death benefit proceeds.

We will not require proof of financial hardship due to COVID-19. If you select the option to "pay back due premiums in equal installments over a 12-month period," we will not cancel the policy while you are actively repaying past-due premiums in accordance with the terms of the policyholder's repayment plan.


If you are struggling to maintain your insurance coverage, we are here to help. Please reach out to our customer service team (contact information below) to discuss what options are available to you.

Is a vaccine to cure COVID-19 available?
There is no vaccine for the new coronavirus right now. Scientists have already begun working on one, but developing and distributing a vaccine that is safe and effective in human beings is projected to take 12 to 18 months.
Will wearing a face mask protect me from COVID-19?

Certain models of professional, tight-fitting respirators (such as the N95) can protect health care workers as they care for infected patients.


For the general public without respiratory illness, wearing lightweight, disposable surgical masks is not recommended. Because they don’t fit tightly, they may allow tiny infected droplets to get into the nose, mouth or eyes. Also, people with the virus on their hands who touch their face under a mask might become infected.


People with a respiratory illness can wear these masks to lessen their chance of infecting others. Bear in mind that stocking up on masks makes fewer available for sick patients and health care workers who need them.

Can I protect myself from COVID-19 by swallowing or gargling with bleach, taking acetic acid or steroids, or using essential oils, salt water, ethanol or other substances?

None of these recommendations can protect you from getting COVID-19, and some of these practices may be dangerous. The best ways to protect yourself from this coronavirus (and other viruses) include:

  • ​Washing your hands frequently and thoroughly, using soap and hot water.
  • Avoiding close contact with people who are sick, sneezing or coughing.
  • In addition, you can avoid spreading your own germs by coughing into the crook of your elbow and staying home when you're sick.
Was the new coronavirus deliberately created or released by people?
Viruses can change over time. Occasionally, a disease outbreak happens when a virus that is common in an animal such as a pig, bat or bird undergoes changes and passes it to humans. This is likely how the new coronavirus came to be.
Will ordering or buying products shipped from China make me, or other people, sick?
Researchers are studying the new coronavirus to learn more about how it infects people. As of this writing, scientists note that most viruses like this one do not stay alive for very long on surfaces, so it is not likely you would get COVID-19 from a package that was in transit for days or weeks. The illness is most likely transmitted by droplets from an infected person’s sneeze or cough, but more information is emerging daily.
Are state hotlines currently available?
There are some state hotlines, serviced by health care and pharmaceutical professionals, available. You can search for contact phone numbers for your specific state online, as new hotlines, phone numbers and other resources for support on the coronavirus are surfacing daily. Please click here for updated state resources.

Need help? Our service reps are here for you.

Life insurance questions:
Monday – Friday: 8am – 6:30pm CST 
Saturday: 8am – 12pm CST 
Health insurance questions:
Monday – Friday: 8am – 4pm CST
Please reference the Q&A on this page for frequently asked service questions.