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Long Term Care

Life Products

Ancillary Products

Please review the message(s) below:

Life Products - Quote And Apply

To quote and/or apply for FINAL EXPENSE or TERM LIFE, click here *

* Note: You will be leaving the LifeSecure Agent Portal and accessing the Lumico Agent Portal directly. You will need to use separate log-in credentials consisting of your email address and a password upon entering the Lumico Agent Portal. In the future, you may also directly access the Lumico Agent Portal via the web address shown below, without having to first log-in to the LifeSecure Agent Portal.

https://lumico.com/login-agent

General Information

Group Name

Quote Type

Individual Client

Worksite & Association Client

Client

Required

Where will the application be signed?

Required

Birthdate or Age

Only birthdate or age required

Are you actively at work?

Yes

Have you used tobacco or nicotine in the last 12 months?

Yes

Gender

IMPORTANT NOTICE TO AGENTS!

Due to recent heavy volumes of long term care insurance applications received from State of Washington residents, LifeSecure Insurance Company can make no commitment that your client's long term care insurance policy will be issued before the State of Washington's deadline for private long term care insurance coverage. If your client’s policy is issued after the state’s deadline, your client may be disqualified from obtaining an exemption from the WA Cares program and the respective payroll tax premium payments.

I acknowledge that I have read and understood the above notice.

Products

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Only 1 product at a time can be quoted for this group. NOTE: If you choose to quote multiple products, you must run a separate quote for Hospital Recovery.

$0.00/month

How the Plan Works

Help protect your hard-earned wages and savings with
Personal Accident Insurance

Provides benefits to help with medical costs if you suffer an accidental injury. In that unfortunate event, you shouldn’t have to worry about unexpected financial setbacks resulting from the injury. By pairing this coverage with your existing medical plan, you can extend your protection to help with those unexpected costs, so you can focus on healing.

View Details

Plan-at-a-Glance

Michigan

Personal Accident Insurance

with Accidental Death Benefit

Eligible Issue Ages This policy is guaranteed renewable to age 85

Minimum

$2,500

Maximum

$25,000

For Individuals

$50,000

For Couples

Choose Your Annual Benefit Bank Any amount within the range shown in $100 increments

Eligibility Rules

Michigan

Personal Accident Insurance

with Accidental Death Benefit

Eligibility Rules Here

Coverage Level

Self-Only

Self + Spouse/Partner

Self + Child(ren)

Self + Spouse/Partner + Child(ren)

Annual Benefit Bank

$2,500 $25,000

($100 increments)

Deductible

$100

$500

$0.00/month

How the Plan Works

Supplement your medical coverage and help protect your family, lifestyle, and finances

When a critical illness strikes, you should be focused on your health, not your finances. Unfortunately things like lost income, medical deductibles, out-of-network office visits and uncovered treatments can contribute to financial hardship for many families. With Critical Illness Insurance, you can supplement coverage beyond your medical plan with essential financial support when it’s needed the most.

View Details

You must qualify for coverage based on LifeSecure’s underwriting criteria.

Plan-at-a-Glance

Michigan

Critical Illness Insurance

Eligible Issue Ages This policy is guaranteed renewable to age 85

Minimum

$2,500

Maximum

$25,000

For Individuals

$50,000

For Couples

Choose Your Annual Benefit Bank Any amount within the range shown in $100 increments

Eligibility Rules

Michigan

Critical Illness Insurance

Eligibility Rules Here

Coverage Level

Self-Only

Self + Spouse/Partner

Dependent children are automatically covered at no additional charge

Height/Weight

Height must be between 1-9 ft., 0-11 in; weight must be between 1-999 lb.

Gender

Have you used tobacco or nicotine in the last 12 months?

Yes

Spouse/Partner Information

Height/Weight

The spouse height and weight does not qualify

Gender

Birthdate or Age

Only birthdate or age required

Have you used tobacco or nicotine in the last 12 months?

Yes

Benefit Amount

$5,000

$50,000

($5,000 increments)

Health Screening Benefit

Return of Premium

$0.00/month

How the Plan Works

Affordable insurance to assist in your recovery

Your medical plan provides benefits to help with medical costs resulting from an inpatient hospitalization or treatment in an observation unit. Once you leave the hospital, you shouldn’t have to worry about financial setbacks that you didn’t expect during your recovery. Hospital Recovery Insurance provides cash benefits, regardless of any other insurance you have, to help offset the unexpected cost of a hospital stay so you can focus on your recovery.

View Details

You must qualify for coverage based on LifeSecure’s underwriting criteria.

Plan-at-a-Glance

Michigan

Hospital Recovery Insurance

Eligible Issue Ages This policy is guaranteed renewable to age 85

Minimum

$2,500

Maximum

$25,000

For Individuals

$50,000

For Couples

Choose Your Annual Benefit Bank Any amount within the range shown in $100 increments

Eligibility Rules

Michigan

Hospital Recovery Insurance

Eligibility Rules Here

Coverage Level

Self-Only

Self + Spouse/Partner

Self + Child(ren)

Self + Spouse/Partner + Child(ren)

Height/Weight

Height must be between 1-9 ft., 0-11 in; weight must be between 1-999 lb.

Spouse/Partner Information

Height/Weight

The spouse height and weight does not qualify

Gender

Birthdate or Age

Only birthdate or age required

Daily Benefit Amount

$100

$900

($10 increments)

Optional Benefit Riders

Emergency Room & Ambulance Benefit $0.00/month

Major Diagnostic Exam Benefit $0.00/month

Rehabilitation Facility Benefit $0.00/month

How the Plan Works

Affordable insurance to assist in your recovery

Your medical plan provides benefits to help with medical costs resulting from an inpatient hospitalization or treatment in an observation unit. Once you leave the hospital, you shouldn’t have to worry about financial setbacks that you didn’t expect during your recovery. Hospital Indemnity Insurance provides cash benefits based on your time in the hospital, regardless of any other insurance you have, to help with the unexpected costs so you can focus on your recovery.

View Details

You must qualify for coverage based on LifeSecure’s underwriting criteria.

Coverage Level

Self-Only

Self + Spouse/Partner

Self + Child(ren)

Self + Spouse/Partner + Child(ren)

Height/Weight

Height must be between 1-9 ft., 0-11 in; weight must be between 1-999 lb.

Spouse/Partner Information

Height/Weight

The spouse height and weight does not qualify

Gender

Birthdate or Age

Only birthdate or age required

Daily Benefit Amount

Guaranteed Issue:

200

300

Simplified Issue:

Other

$100

$900

($10 increments)

Maximum Number of Days per Period of Confinement

Required

Optional Benefit Riders

Emergency Room & Ambulance Benefit $0.00/month

Outpatient Major Diagnostic Exam Benefit $0.00/month

Rehabilitation or Skilled Nursing Facility(Days 1-20) $0.00/month

$100/day

$200/day

Required

Rehabilitation or Skilled Nursing Facility(Days 21-100) $0.00/month

$100/day

$200/day

Required

Lump Sum Hospital Admission $0.00/month

$500

$1,000

Required

Outpatient Surgery Benefit $0.00/month

$500

$1,000

Required

$0.00/month

How the Plan Works

A simple way to show you care

End of life expenses, such as funeral and burial costs, can be very expensive. Final Expense Insurance can help lessen the burden on your family by ensuring they have the means to help cover these costs when you pass. It provides a lump sum payment to help offset funeral expenses, medical bills, outstanding debts and more.

View Details

Plan-at-a-Glance

Michigan

Personal termlife Insurance

with termlifeal Death Benefit

Eligible Issue Ages This policy is guaranteed renewable to age 85

Minimum

$2,500

Maximum

$25,000

For Individuals

$50,000

For Couples

Choose Your Annual Benefit Bank Any amount within the range shown in $100 increments

Eligibility Rules

Michigan

Final Expense Insurance

Eligibility Rules Here

Rate Class

Preferred

Standard

Modified

Face Amount

$5,000

$30,000

($1,000 increments)

Optional Benefit Rider

Accidental Death Benefit $0.00/month

$0.00/month

How the Plan Works

Affordable coverage to protect what matters most

In the event of the unthinkable, you’ll want peace of mind knowing your family will be taken care of in your absence. Term Life Insurance offers simple coverage that can help ensure your loved ones have the financial support they need to pay outstanding bills, make mortgage payments, replace lost income and more.

View Details

Plan-at-a-Glance

Michigan

Personal termlife Insurance

with termlifeal Death Benefit

Eligible Issue Ages This policy is guaranteed renewable to age 85

Minimum

$2,500

Maximum

$25,000

For Individuals

$50,000

For Couples

Choose Your Annual Benefit Bank Any amount within the range shown in $100 increments

Eligibility Rules

Michigan

Term Life Insurance

Eligibility Rules Here

Term

10 year

15 year

20 year

30 year

Face Amount

$25,000

$500,000

($1,000 increments)

Optional Benefit Riders

Accidental Death Benefit $0.00/month

Disability Waiver of Premium $0.00/month

Dependent Child $0.00/month

Eligible Issue Ages: 15 days - 22 years

Face Amount: $2,000 - $10,000

0.00/month 0.00/month (Spouse/Partner)

How the Plan Works

Affordable coverage to help protect your clients' savings and assets, providing options if care is needed

Unlike other long term care insurance products, LifeSecure uses a simple Benefit Bank design with few riders. We make it easy to choose coverage based on your client’s perceived needs and personal budget, thereby creating a flexible LTC solution designed to provide peace of mind and financial resources when care is needed.

View Details

You must qualify for coverage based on LifeSecure’s underwriting criteria.

Plan-at-a-Glance

Michigan

Long Term Care Insurance

Eligible Issue Ages This policy is guaranteed renewable to age 85

Minimum

$2,500

Maximum

$25,000

For Individuals

$50,000

For Couples

Choose Your Annual Benefit Bank Any amount within the range shown in $100 increments

Eligibility Rules

Michigan

Long Term Care Insurance

Eligibility Rules Here

Marital Status

Single

Married

Committed relationship with a Domestic Partner

Is your Spouse/Partner also applying for coverage at this time?

Yes

Applicant Information Premium Detail

Applicant Type

Gender Required

Height/Weight

Height must be between 1-9 ft., 0-11 in; weight must be between 1-999 lb.

Benefit Bank

$150,000 Benefit Bank/$3,000 Monthly Benefit
$50,000 Benefit Bank/$1,000 Monthly Benefit
$100,000 Benefit Bank/$2,000 Monthly Benefit

$200,000 Benefit Bank/$4,000 Monthly Benefit
$300,000 Benefit Bank/$6,000 Monthly Benefit

Optional Riders

Compound Inflation Benefit

1% Compound Inflation $0.00/month

3% Compound Inflation $0.00/month

5% Compound Inflation $0.00/month

Nonforfeiture Benefit

$0.00/month

Spouse/Partner Applicant Information Premium Detail - Spouse/Partner

Applicant Type

Gender Required

Height/Weight

Height must be between 1-9 ft., 0-11 in; weight must be between 1-999 lb.

Birthdate or Age

Only birthdate or age required

Where will the application be signed? Required

Benefit Bank

$150,000 Benefit Bank/$3,000 Monthly Benefit
$50,000 Benefit Bank/$1,000 Monthly Benefit
$100,000 Benefit Bank/$2,000 Monthly Benefit

$200,000 Benefit Bank/$4,000 Monthly Benefit
$300,000 Benefit Bank/$6,000 Monthly Benefit

Optional Riders

Compound Inflation Benefit

1% Compound Inflation $0.00/month

3% Compound Inflation $0.00/month

5% Compound Inflation $0.00/month

Nonforfeiture Benefit

$0.00/month

Premium Contribution

Employer Contribution

$0.00

Your Contribution

$0.00

Total Monthly Premium

$0.00

0 Products

Estimated Cost
$0.00/month

0 Products

Estimated Cost
$0.00

Accident: $0.00

Critical Illness: $0.00

Hospital Recovery: $0.00

Final Expense: $0.00

Term Life: $0.00

Long Term Care: 0.00

0.00 (Spouse/Partner)

Accident Insurance

$0.00/month Remove Edit

Coverage Level

Self

Annual Benefit Bank

$2,500

Individual/Family Deductible

$100/$200

Coverage Level

Self-Only

Self + Spouse/Partner

Self + Child(ren)

Self + Spouse/Partner + Child(ren)

Annual Benefit Bank

$2,500 $25,000

($100 increments)

Deductible

$100

$500

Critical Illness Insurance

$0.00/month Remove Edit

Coverage Level

Self Only

Benefit Amount

Benefit(s)

Return of Premium
Health Screening Benefit

Coverage Level

Self-Only

Self + Spouse/Partner

Dependent children are automatically covered at no additional charge

Height/Weight

Height must be between 1-9 ft., 0-11 in; weight must be between 1-999 lb.

Gender

Have you used tobacco or nicotine in the last 12 months?

Yes

Spouse/Partner Information

Height/Weight

The spouse height and weight does not qualify

Gender

Birthdate or Age

Only birthdate or age required

Have you used tobacco or nicotine in the last 12 months?

Yes

Benefit Amount

$5,000

$50,000

($5,000 increments)

Health Screening Benefit

Return of Premium

Hospital Recovery Insurance

$0.00/month Remove Edit

Coverage Level

Self + Child(ren)

Daily Benefit Amount

$100

Maximum Number of Days

$100

Optional Benefit Riders

None Selected

Coverage Level

Self-Only

Self + Spouse/Partner

Self + Child(ren)

Self + Spouse/Partner + Child(ren)

Height/Weight

Height must be between 1-9 ft., 0-11 in; weight must be between 1-999 lb.

Spouse/Partner Information

Height/Weight

The spouse height and weight does not qualify

Gender

Birthdate or Age

Only birthdate or age required

Daily Benefit Amount

$100

$900

($10 increments)

Optional Benefit Riders

Emergency Room & Ambulance Benefit $0.00/month

Major Diagnostic Exam Benefit $0.00/month

Rehabilitation Facility Benefit $0.00/month

Coverage Level

Self-Only

Self + Spouse/Partner

Self + Child(ren)

Self + Spouse/Partner + Child(ren)

Height/Weight

Height must be between 1-9 ft., 0-11 in; weight must be between 1-999 lb.

Spouse/Partner Information

Height/Weight

The spouse height and weight does not qualify

Gender

Birthdate or Age

Only birthdate or age required

Daily Benefit Amount

Guaranteed Issue:

200

300

Simplified Issue:

Other

$100

$900

($10 increments)

Maximum Number of Days per Period of Confinement

Required

Optional Benefit Riders

Emergency Room & Ambulance Benefit $0.00/month

Outpatient Major Diagnostic Exam Benefit $0.00/month

Rehabilitation or Skilled Nursing Facility(Days 1-20) $0.00/month

$100/day

$200/day

Required

Rehabilitation or Skilled Nursing Facility(Days 21-100) $0.00/month

$100/day

$200/day

Required

Lump Sum Hospital Admission $0.00/month

$500

$1,000

Required

Outpatient Surgery Benefit $0.00/month

$500

$1,000

Required

Final Expense Insurance

$0.00/month Remove Edit

Rate Class

Standard

Face Amount

$5000

Optional Benefit Rider

None Selected

Rate Class

Preferred

Standard

Modified

Face Amount

$5,000

$30,000

($1,000 increments)

Optional Benefit Rider

Accidental Death Benefit $0.00/month

Term Life Insurance

$0.00/month Remove Edit

Term

10 Year

Face Amount

$25,000

Optional Benefit Riders

None Selected

Term

10 year

15 year

20 year

30 year

Face Amount

$25,000

$500,000

($1,000 increments)

Optional Benefit Riders

Accidental Death Benefit $0.00/month

Disability Waiver of Premium $0.00/month

Dependent Child $0.00/month

Eligible Issue Ages: 15 days - 22 years

Face Amount: $2,000 - $10,000

Long Term Care Insurance

0.00/month
(Employee/Member) 0.00/month
(Spouse/Partner) Remove Edit

The employee and their spouse/partner must submit separate, individual applications.
The process requires a separate username and password for each person.
The employee's application must be successfully submitted prior to the spouse's/partner's application.

Employee/Member

Spouse/Partner

Benefit Bank

Optional Riders

Marital Status

Single

Married

Committed relationship with a Domestic Partner

Is your Spouse/Partner also applying for coverage at this time?

Yes

Applicant Information Premium Detail

Applicant Type

Gender Required

Height/Weight

Height must be between 1-9 ft., 0-11 in; weight must be between 1-999 lb.

Benefit Bank

$150,000 Benefit Bank/$3,000 Monthly Benefit
$50,000 Benefit Bank/$1,000 Monthly Benefit
$100,000 Benefit Bank/$2,000 Monthly Benefit

$200,000 Benefit Bank/$4,000 Monthly Benefit
$300,000 Benefit Bank/$6,000 Monthly Benefit

Optional Riders

Compound Inflation Benefit

1% Compound Inflation $0.00/month

3% Compound Inflation $0.00/month

5% Compound Inflation $0.00/month

Nonforfeiture Benefit

$0.00/month

Spouse/Partner Applicant Information Premium Detail - Spouse/Partner

Applicant Type

Gender Required

Height/Weight

Height must be between 1-9 ft., 0-11 in; weight must be between 1-999 lb.

Birthdate or Age

Only birthdate or age required

Where will the application be signed? Required

Benefit Bank

$150,000 Benefit Bank/$3,000 Monthly Benefit
$50,000 Benefit Bank/$1,000 Monthly Benefit
$100,000 Benefit Bank/$2,000 Monthly Benefit

$200,000 Benefit Bank/$4,000 Monthly Benefit
$300,000 Benefit Bank/$6,000 Monthly Benefit

Optional Riders

Compound Inflation Benefit

1% Compound Inflation $0.00/month

3% Compound Inflation $0.00/month

5% Compound Inflation $0.00/month

Nonforfeiture Benefit

$0.00/month

Premium Contribution

Employer Contribution

$0.00

Your Contribution

$0.00

Total Monthly Premium

$0.00

Product Removal

Are you sure you want to remove this product?

Required Information

Quote Reference ID: Not Available

Client's Phone Number

Client's Email

Required

First Name Required

Last Name Required

Birthdate Required

Additional fields required for emailing quote:

Writing Agent for contract list(s)

Required

AC Contract(s)

Required

CI Contract(s)

Required

HR Contract(s)

Required

Custom Link:

Clicking "Copy Link" or "Email Quote" below will lock the information in this quote. To make changes to the quote, click 'Close'.

Copy the custom link to paste in your own email (i.e. Microsoft Outlook, Gmail, etc.), then send to your client:

Let LifeSecure send the email to your client:

Custom Link:

Required Information for Client

Contact Information for Primary Insured

First Name Required

Last Name Required

Phone Number Required

Contact Information for Spouse

First Name Required

Last Name Required

Phone Number Required

Quote Calculator

General Information

Products

Accident

$0.00/month

How the Plan Works

Help protect your hard-earned wages and savings with Personal Accident Insurance

Plan-at-a-Glance

Michigan

Personal Accident Insurance

Eligibility Rules

Michigan

Personal Accident Insurance

Coverage Level

Annual Benefit Bank

$2,500 $25,000

($100 increments)

Critical Illness

$0.00/month

How the Plan Works

Supplement your medical coverage and help protect your family, lifestyle, and finances

Plan-at-a-Glance

Michigan

Critical Illness Insurance

Eligibility Rules

Michigan

Critical Illness Insurance

Coverage Level

Benefit Amount

$5,000

$50,000

($5,000 increments)

Hospital Recovery

$0.00/month

How the Plan Works

Affordable insurance to assist in your recovery

Plan-at-a-Glance

Michigan

Hospital Recovery Insurance

Eligibility Rules

Michigan

Hospital Recovery Insurance

Coverage Level

Daily Benefit Amount

$100

$900

($10 increments)

Optional Benefit Riders

How the Plan Works

Affordable insurance to assist in your recovery

Coverage Level

Daily Benefit Amount

$100

$900

($10 increments)

Maximum Number of Days per Period of Confinement

Optional Benefit Riders

Final Expense

$0.00/month

How the Plan Works

A simple way to show you care

Plan-at-a-Glance

Michigan

Personal termlife Insurance

Eligibility Rules

Michigan

Final Expense Insurance

Rate Class

Face Amount

$5,000

$30,000

($1,000 increments)

Optional Benefit Rider

Term Life

$0.00/month

How the Plan Works

Affordable coverage to protect what matters most

Plan-at-a-Glance

Michigan

Personal termlife Insurance

Help protect your hard-earned wages and savings with
Personal Accident Insurance