LUX Insurance Services

Custom Benefit Portfolios - Designed for Unique Needs

LUX Benefits is a boutique, female-owned, agency specializing in fully insured and alternative funding health plans. We are laser focused on your employees and bottom line.


  • Self-Funded
  • Partially Self-Funded CAPTIVE Programs
  • Fully Insured Medical Packages including Dental, Vision, Basic Life & Accidental Death and Dismemberment, Buy-Up Life Insurance Employee, Spouse, Child (ren), Short Term Disability, Long Term Disability, Employee Assistance Program (EAP)
  • Supplemental Work Site Benefits
  • Executive Benefit Packages

All plans are unique, driven by your Employees and Company's Bottom Line.

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Blazing a New Trail

We engage our client relationships like family. Lux is not interested in being the biggest - Only the Best! In turn it is our job to show your company in its best light to your employees. Delivering your needs affect the soul of the business. We live and breathe Employee Benefits. Properly executed, your Benefit Package becomes a company asset not a lingering sunk cost.

Heidi Lebherz, President

After graduating from USC Heidi joined the family business. Since 2001, she has successfully counseled business owners and key personnel with award winning cost saving strategies in benefit planning for mid to large size businesses. She is recognized by carriers, industry professionals, and national associations, as a cutting-edge Benefit Executive.

Heidi's professional and incisive approach is clear and concise, There is nothing a National Firm can offer a client that our boutique firm cannot. I spent many years inside the larger firms only to lose touch with the CEO's, CFO's, CPO's, and HR directors I worked so hard to win! Together we, seamlessly, delivered thousand's of employees and their families the largest non-income benefits on which they depend. We are never going to grow past my ability to know each account intimately.

My Commitment to You

Your Business is unique. LUX Benefits will tailor an employer sponsored benefit portfolio to satisfy the employees' needs while exceeding employer financial goals.”