You bring the vision. We’ll bring the map.

If your mission is transformed customer experiences, our mission is to help you get there, supported by prudent AI to ensure a safe and reliable transformation.

A technology foundation built for change

The reason transformation is so difficult in Life and Pensions is because early administration systems were built for stability over flexibility.

Pension schemes and insurance policies are decades-long commitments. Early administration systems were designed at a time when longevity meant reliability.

But the technology environment has accelerated faster than anyone could have predicted all those years ago. Today, longevity means more than consistency — it means the ability to change.

Lumera is the Life and Pensions administration platform built to make change simple — both in terms of modernising old technologies, and in seamlessly supporting new capabilities.

Endless flexibility

An API-first architecture enables seamless integration with existing systems, third-party services and new technologies.

Hyper automation

Automate complex, end-to-end business processes using straight-through processing that integrates across internal and external systems.

New customer experiences

Fast, performant data provision to feed self-service portals and connect to pensions dashboards to give end-customers complete and real-time visibility.

Tailored product development

Personalised pension and insurance products to meet rising end customer demands for flexibility and control.

Embrace and de-risk change

Performance that keeps pace in an accelerating market by using a platform that quickly and safely integrates emerging technologies.

Security and reliability

Lumera’s cloud-native platform is secure, scalable and high-availability — using state of the art security measures like protected environments and secure coding.

How we help

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APIs supported by the Lumera platform.

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Policies supported across Europe.

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Of UK schemes will use Lumera for Pension Dashboards in 2025 (via Pensions Fusion).

What you get

A future-ready technology stack

A scalable and adaptable platform that your developers can build on using over 600 APIs — so however regulations and customer needs evolve, you can keep up.

Better customer engagement

Deepen your relationships with end-customers by providing personalised communications, guidance and products to become a partner in their savings journey.

More time and freedom to innovate

Use end-to-end automation and seamless ecosystem integrations to remove technology and resource constraints getting in the way of innovation.

Long-term partnership

Get a dedicated and cross-discipline team focused on planning, supporting and implementing your transformation journey.

End-customer outcomes

Empower policy holders and members by delivering complete and accurate savings data, enabling them to make informed savings decisions.

Learn about the Lumera platform

Lumera and AI

If the Lumera brand stands for anything, it’s taking transformative change seriously.

AI holds many exciting possibilities to drive efficiency, automation and new kinds of value in Life and Pensions. Our focus is to help organisations realise these benefits safely and predictably.

But just as you should choose the right partner for replatforming, you also need the right partner to implement robust and trustworthy AI that complies with local guidance, such as the EU AI Act or the UK’s framework for AI regulation. We ensure AI is introduced with clear governance and purpose.

As part of the Prudent Revolution, we apply a Prudent AI philosophy: AI that is transparent, compliant and explainable, built for the complexity of Life and Pensions, and designed to augment experts rather than replace them. It evolves at the pace each organisation is ready for, supporting safe, low‑risk transformation.

Our approach leverages more than 20 years of L&P expertise and data, giving Lumera a strong foundation for industry‑specific AI models that deliver value without compromising compliance.

Lumera’s platform supports AI-readiness in three ways:

Future-proof development

Modular architecture that’s built to change and integrate with technological leaps once they’re proven. This includes support for industry‑specific AI and machine learning models.

Flexible delivery

Integration of AI services from any source (APIs, third‑party solutions, cloud providers) within the platform, with controls for resource consumption to manage costs and power draw to meet ESG standards. Clients can adopt AI gradually, embedding capabilities step by step without disrupting existing processes. This ensures AI complements existing workflows rather than forcing change.

Scalable governance

Robust compliance via dashboards and reporting to supervise AI output in terms of transparency, explainability and auditability. AI decisions can be traced, validated and audited to support Solvency II, GDPR and emerging AI regulatory standards. This keeps AI predictable, responsible and always under human oversight.