I find it hard to believe that the insurance provider didn’t have a website.
I couldn't find their Lumi / web based login. Maybe you can help me find it!
Or maybe I'm missing something, did you actually find a Login form there?
There isn’t a bank that I’m aware of that is app only in the US. The one thing you can’t do from some bank websites is deposit a check. Which makes no sense either since you have been able to capture photos from web pages in iOS forever.