The Plateau Group rebrands as Lumos Insurance

The Plateau Group, a multi-line insurance company serving financial institutions and facilitating new product programs since 1981, announced it will operate under a new brand: Lumos Insurance.

The rebrand marks the culmination of a multi-year modernization effort focused on operating infrastructure, governance and capital strategy. With those foundational improvements complete, Lumos is now positioned for deliberate expansion into adjacent markets — particularly as segments of the industry consolidate or retreat from credit insurance.

"Lumos is a new name on top of a proven foundation," said Vince Bodnar, president and chief financial officer. "We strengthened our systems, governance and operating cadence first. Now we're ready to grow responsibly in both our core markets and areas where disciplined carrier capacity is increasingly scarce."

Infrastructure Before Expansion

Lumos maintains an A- (Excellent) rating from AM Best, built on more than four decades of underwriting discipline and partner alignment. Founded in 1981 by a consortium of Tennessee banks to support responsible credit extension through credit life, health and property insurance, the company has evolved into a nationwide platform offering senior-focused life and health solutions, supplemental health products, and specialty property and casualty programs.

Leadership prioritized modernizing core systems, strengthening governance and enhancing workflow controls before pursuing growth. This approach has driven one of the strongest operating periods in company history, including a Net Promoter Score of 88 in its 2025 fourth-quarter partner survey — affirming the value of incorporating Voice of the Customer feedback.

A Bold Vision for Growth

Lumos is committed to launching innovative products in partnership with reinsurers, distributors, and administrators.

New offerings slated for 2026 include an underwritten payout annuity, a suite of long-term care plans, several supplemental health products and multiple specialty Property and Casualty programs.

While many larger carriers have exited or deemphasized credit life, health and property insurance amid margin pressures, lenders and specialty distributors still need reliable solutions to protect borrowers, stabilize portfolios, and enable responsible credit extension. Lumos is stepping into that gap with the same disciplined underwriting, capital management and operational clarity that built its credit business.

"Credit protection delivers real economic value for policyholders and partners," Bodnar said. "The differentiator is discipline — and that rigor now extends equally to our senior health, supplemental health, and specialty P&C platforms."

Under the Lumos brand, the company organizes its offerings across three pillars: credit protection, specialty property and casualty, and life and health. Each emphasizes defined underwriting authority, transparent reporting, structured governance and long-term strategic alignment.

About Lumos Insurance

Lumos Insurance in Crossville is the operating brand of The Plateau Group. Availability varies by state.

Through its licensed entities — Plateau Insurance Company (NAIC #97152) and Plateau Casualty Insurance Company (NAIC #10817) — Lumos provides credit-driven life, health, and property insurance, debt cancellation programs, specialty property and casualty solutions, and senior-focused and supplemental life and health products nationwide.