Lumos Insurance

Lumos Insurance, formerly The Plateau Group, is a Tennessee-headquartered insurance carrier serving banks, credit unions, auto dealers, MGAs, and specialty partners across the United States. Building on more than 45 years of carrier experience, the company combines established insurance operations with a focus on modern distribution and partner service. Its products include credit life, health, and property insurance, as well as debt cancellation products.

Lumos also supports specialty Property & Casualty and Life & Health programs, serving areas such as aging populations, employer groups, and affinity distribution. The company works with distribution partners, MGAs, and reinsurance partners to design, launch, administer, and scale insurance programs. Its services include underwriting, policy administration, claims support, and reinsurance accounting.

Lumos highlights its multi-line carrier capabilities, documented operational controls, transparent reporting, and dedicated account teams. The company reports an AM Best financial strength rating of A−, SOC 2 Type 2 controls, and 99. 9% uptime.

Insurance products are underwritten by Plateau Insurance Company and Plateau Casualty Insurance Company, both domiciled in Tennessee