Because we were created so that you could have someone by your side who understands your reality and knows the rules of the game.
We are an independent, trilingual insurance agency. We translate the world of insurance to make your life easier: we stay with you from the first contact to renewal.
Those who have chosen to start over deserve the peace of mind to move forward. Our job is to transform the complexity of insurance into simple, clear protection tailored to your reality.
01
In your language
Service in English, Portuguese, or Spanish, from start to finish. No translators, no intermediaries, no misunderstandings.
02
We understand you
Our team lives the immigrant experience. We understand your background, your family, your business, and the questions that arise when starting life in the U.S.
03
Unbiased advice
Because we are independent, we get quotes from many insurance companies and recommend the best option for you, not for the insurance company.
04
Technology that makes things easier
Quick quotes, personalized service, and digital signatures. Less paperwork, less waiting.
05
From start to finish
We are with you during the initial purchase, claims, and renewals. You are never on your own when dealing with the insurance company.
Your journey with Lumio
By your side at every step.
The same care during the initial contact and when it’s time to renew. Always in your language.
1
Step 1
The first “Hello”
Via WhatsApp, phone call, email, website, form, or in-store.
2
Step 2
The quote
We compare several insurance companies and explain each option.
3
Step 3
Getting covered
Digital signature.
4
Step 4
Ongoing support
Certificates, changes, and answers to your questions whenever you need them.
5
Step 5
Renewal
We review your protection for the upcoming cycle.
Who we are
What drives us
01
Mission
To make life easier for those who chose to start over. Every policy, every interaction, and every explanation in the client’s language is a step toward turning red tape into peace of mind.
02
Vision
To be the leading insurance reference for the Latino community: the brand that turns red tape into trust, with technical expertise and service in each client’s language and at their pace, making everyone feel at home.
03
Purpose
We exist so that every Latino in the United States has someone by their side who understands their reality and knows the rules of the game. Expert protection, in your language.
Why independent
Whose side are we on?
An agency tied to a single insurance company offers what that company has. Lumio finds what you need.
Comparison
Carrier options
Recommendation
Language
After signing
Traditional agency
One carrier
Carrier options
Only one
Recommendation
The house product
Language
Not always your language
After signing
No follow-up guaranteed
Lumio
Independent
Carrier options
Many partners
Recommendation
No favorites
Language
English, Portuguese, or Spanish
After signing
Ongoing support until renewal
Who we are
Our values
01
People first
We value people and the relationships we build with each client.
02
Honesty and simplicity
We honor our commitments and speak the truth clearly and without any fine print.
03
Lasting protection
We build long-term relationships through consistent work year after year.
Our reach
Lumio by the numbers
languages
0
English, Portuguese, and Spanish
partner insurers
+0
to compare the best option
states served
0
Massachusetts, Connecticut, Rhode Island, and New Hampshire
Testimonials
People who found a solution with Lumio
Customers who decided on their own insurance, understanding every coverage, in plain language.
”
4.8
I went about eight months without insurance for my business because every time I called my old broker, they’d use a bunch of English acronyms, and I’d just hang up, not understanding anything. Here, I started the process via WhatsApp, then they called me to explain what was still needed and sent everything by email so I could read it over at my own pace. It actually took me longer to make the decision than it did to get everything sorted out.
Rodrigo Tavares
Framingham, MA
”
4.5
My husband wanted to close the deal right away, but I asked them to explain it all again, a couple of times, actually. They didn’t mind at all. Buying the house was stressful enough as it was, so at least this part was smooth.
Mariana Gutiérrez
Everett, MA
”
4.6
Honestly, I didn’t even know I needed it, the building required it. I thought it would be expensive and stressful, but I started a chat on the website during my break, and they offered me a great option that covered what I needed. I got it all sorted out that same day and haven’t given it another thought since.
Diego Ramírez
Boston, MA
”
4.7
I’d had insurance for years, but I have to confess I’d never actually read the policy. When I went to switch providers, I sat down with them and realized I was paying for things I didn’t even use. We cut out what didn’t make sense, and it ended up being cheaper too.
Luísa Ferreira
Brockton, MA
Ready to protect what you’ve built?
Speak with us and discover the right insurance for you, your family, or your business.