Meet Lulu — Your DIY guide
An AI guide built by Craig and Lourdes so you can shop and compare insurance plans on your own time — without your information being sold to companies whose agents will call you 400 times a day.
WHAT THE DIY TOOL DOES
Tell Lulu a bit about your current insurance situation and what you want in your new coverage. Lulu asks a few smart questions, figures out which product lane fits you best (ACA Marketplace, Private Market, Group, Medicare, Life, Supplemental, Dental, or Vision), then points you to the right place — either a self-enroll link with personalized guidance OR a 30-minute call with Craig directly.
No pressure. No script. No commission-chasing. If you’re already on the right plan, Lulu will tell you that and stop. If you need a real human, Lulu will hand you off cleanly. That’s it.
How it works — three phases, about five minutes
Diagnose
Lulu asks about your current situation. From your answer, Lulu knows whether you need ACA, Private Market, Group, Medicare, or something else.
Gather
Quick info — date of birth, ZIP code, household size, income range, any prescriptions or doctors you want covered. Just enough to find real options.
Route
Lulu points you to the right next step. A self-enroll link with personalized guidance — or a call with Craig if your situation is complex.
Our privacy promise
Nothing you tell Lulu is stored or sent anywhere. It stays in your browser only. The only time any of it leaves is if you book a call with Craig — and then it goes to Craig so he comes prepared.
You’re not signing up for marketing emails. We’re not building a database of you. Your phone won’t ring at dinnertime from agencies who bought your information.
Who Lulu can help
- Individuals and families shopping for ACA Marketplace coverage or Private Market alternatives (Short-Term Medical, Fixed Benefit, Indemnity)
- Small businesses (3+ employees) looking at group health, ICHRA, QSEHRA, or level-funded plans
- People approaching or on Medicare evaluating Medicare Advantage, Medigap, or Part D
- Anyone looking at Life Insurance (term, whole, IUL, or final expense)
- Supplemental coverage shoppers for accident, critical illness, hospital indemnity, cancer
- Dental and Vision standalone through Ameritas
Why we built this
The insurance industry has a data problem. When you request a quote online, your contact info typically gets sold to dozens of brokers. Within minutes you’re fielding cold calls. Within a week, your inbox is a wasteland of “URGENT: Your Coverage Quote!” emails.
We don’t operate that way. We built the DIY specifically so people can compare options on their own time, with intelligent guidance, without becoming a lead generation target.
If you’re tired of the noise and just want straight answers, you’re in the right place.