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The Step Up & Shine program (Program) is available September 15, 2026 through November 1, 2026, unless otherwise modified or terminated by Lucie.

The Program is available to legal US residents who are at least eighteen (18) years of age at the time of entry and who are brokers with Lucie accounts and meet all applicable account, licensing, regulatory, and platform requirements. Only individual brokers are eligible for the Program, no agency entities are eligible. Lucie reserves the right to verify eligibility and activity before issuing any incentive.

To qualify for the $100 Account Activation, a broker must create a Lucie Account during the Promotional Period.

A Lucie Account must be:

FFM approved;

ID proofed;

associated with an active NPN;

HealthCare.gov synced;

and in Active Lucie status.

The $100 Account Activation Reward is earned once the broker creates a Lucie Account, during the Promotional Period, subject to Lucie’s verification of all requirements. This Reward can only be earned once and is only available for Lucie Accounts that were not in Active status on Lucie prior to the Promotional Period.

Additional rewards may be available for select client activity completed during the Promotional Period.

A synced application must meet the following criteria:

The application must be an ACA plan year 2026 application.

The broker must be the Agent of Record on the policy associated with the application. The client, including applicable dependents, must be created and assigned in the broker’s Lucie account;

The application must be transferred and reconciled by the broker in the broker’s Lucie Account and synced with HealthCare.gov.

An application sync is complete only after the required activity has been successfully verified by Lucie. An application does not include any new applications submitted after account creation on Lucie during or after the Promotional Period. Lucie will only pay once per synced application. You must be the Agent of Record on the policy associated with the application and have consumer consent to access the application. The participant represents and warrants that participant is authorized to access the application. The maximum number of synced applications eligible for this Program is 5,000.

Lucie reserves the right to make the final judgment on eligibility and may modify the terms of or end this Program at any time without prior notification. Lucie may, in its sole discretion, withhold, deny, or reverse a reward for any reason, including, if the applicable requirements are not satisfied or if activity is determined to be fraudulent, duplicative, invalid, or otherwise ineligible. Lucie will calculate and determine all amounts payable under the Program in its sole discretion. Lucie may request documentation from participants to substantiate any reward. The decisions by Lucie are final. Payment of rewards will be made no later than February 26, 2027.

The $100 Account Activation reward is earned when the broker creates a Lucie Account and is a one-time reward.

Rewards are non-transferable.

Participants are responsible for any applicable taxes associated with rewards. In order to receive payment, participants must remain active on Lucie through January 15, 2027, provide Lucie with a current W-9, ACH information, your NPN, and other documentation requested by Lucie as needed to [email protected] by January 29, 2027. Participant is responsible for providing accurate and up-to-date account information. Lucie will issue an IRS Form 1099 to any participant whose total cumulative rewards meet or exceed the mandatory reporting thresholds.

Any attempt by a participant to enter more than once by using multiple/different email addresses, identities, registrations, or any other methods will void that participant’s activities and that participant may be disqualified. Lucie may disqualify a participant if it determines, in its sole discretion, that the participant violated these Terms and Conditions.

Lucie is not responsible for lost, late, incomplete, or invalid, activities related to the Program. In the event of a dispute in connection with the identity of the individual who engaged in any Program activity, the activity will be deemed to have been submitted by the authorized account holder of the email account identified on the Lucie account. Receiving a reward is contingent on compliance with these Terms and Conditions and fulfilling all requirements set forth herein. Participation in this Program does not guarantee that any participant will receive an award. No purchase necessary, void where prohibited.

By participating in this Program, each participant agrees to release, discharge and hold harmless Lucie and its affiliates, parent, agencies and their respective officers, directors, employees and agents, from any and all damages whether direct or indirect, which may be due to or arise out of participation in the Program. By participating, each participant agrees to be bound by these Terms and Conditions, which are final and binding in all respects, as well as Lucie’s Terms of Use and Privacy Policy.