Securing your future with Luminaid Assurance

Enterprise-grade protection for personal and professional assets. We simplify the complex world of finance and banking to give you peace of mind.

Modern corporate banking hall

Comprehensive Insurance Products

Collection of insurance plan documents

Our suite of products is designed to provide holistic coverage across all aspects of your life. From individual health plans to complex commercial liability, Financegrace offers tailored solutions backed by Luminaid Assurance Group.

Individual Plans

Custom protection for you and your family assets.

Enterprise Solutions

Scalable risk management for modern businesses.

Modern luxury vehicle protected by insurance

Auto Insurance

Drive with confidence knowing you are protected by the industry's most responsive auto coverage. Our policies cover comprehensive damage, collision, and liability with 24/7 roadside assistance.

  • Accident Forgiveness: Your rates won't rise after your first accident.
  • Gap Coverage: Protection for the difference in value on new vehicles.
  • Multi-car Discounts: Save more when you insure your entire fleet.
Calculate Auto Rate
Doctor consulting with a patient about health coverage

Health Insurance

Prioritizing your well-being with medical plans that offer more than just basic coverage. Luminaid health products focus on preventative care and specialized treatment access.

Preventative Focus

Zero-cost annual checkups and wellness screenings included in every plan.

Global Network

Access to premier medical facilities worldwide for specialized care.

A family enjoying financial security

Life Insurance

Ensuring your family's legacy and financial stability through thoughtful life insurance planning. We provide term and whole-life options that act as a cornerstone for your financial future.

Term Life

Affordable, fixed-term protection for your peak earning years.

Universal Life

Flexible coverage with a cash value accumulation component.

Residential property with protective insurance

Home Insurance

Protecting the place where your memories are made. Our home insurance policies offer comprehensive coverage for structures, personal property, and liability against unexpected events.

Specialized riders available for jewelry, electronics, and home offices. We offer replacement cost coverage to ensure you can rebuild without financial hardship.

Speak to a Property Specialist
Modern corporate office environment

Business Insurance

Mitigate risk and protect your enterprise. Whether you are a startup or an established corporation, Luminaid provides the commercial coverage necessary for the modern economy.

  • Professional Liability & Indemnity
  • Cyber Risk & Data Breach Protection
  • Workers Compensation Management

Get a Free Quote

Receive a personalized insurance assessment in minutes. Our digital underwriting engine provides accurate pricing based on your unique risk profile.

Financial advisor calculating insurance premiums
Customer support representative assisting with a claim

Claims Center

When the unexpected happens, we are here to support you. Our claims process is streamlined for speed and fairness, ensuring you get back on your feet as quickly as possible.

Report a Claim 24/7

Call 1-800-FIN-GRACE or use our mobile app for instant reporting.

Enter Claims Portal
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Find an Agent

Connect with a local Luminaid expert who understands your community and its unique financial landscape. Our agents provide personalized advice and local market expertise.

Insurance Resources

Financial Literacy

Understanding the basics of banking and insurance premiums.

Read Guide
Risk Management

Tips for businesses to lower their insurance liability exposure.

Read Guide
Policy Management

How to read your policy documents and update your coverage.

Read Guide

About Financegrace

Financegrace, a primary brand of the Luminaid Assurance Group, has been a leader in financial protection for over three decades.

Our mission is to democratize access to high-tier insurance products, combining traditional stability with modern technology to serve a global clientele. We believe in transparency, reliability, and the power of financial security.

Contact Us

Have questions about your policy or need guidance on choosing a plan? Our team is available 24/7 to assist you.

Headquarters: 100 Financial Plaza, Suite 500, New York, NY 10004

Phone: +1 (555) 010-9988

Email: [email protected]