Today we’d like to introduce you to Christmas Lutu.
Hi Christmas, can you start by introducing yourself? We’d love to learn more about how you got to where you are today?
Hello! My name is Christmas Lutu, and I’m a Senior Care Navigation Specialist. I help seniors and their families connect with trusted local resources—everything from Medicare and Medicaid to retirement planning, assisted living, skilled nursing, home health, and hospice care. I’m also actively involved in the community, volunteering my time to serve and entertain seniors, and raising funds for meaningful causes like the Alzheimer’s Association, Honor Flight, and our own Christmas Stockings for Seniors charity project.
Can you talk to us a bit about the challenges and lessons you’ve learned along the way. Looking back would you say it’s been easy or smooth in retrospect?
It definitely hasn’t been a smooth road—there have been a lot of challenges along the way. I started my career working in a behavioral health hospital, where I saw firsthand the complexities seniors and their families face. From there, I transitioned into independent senior living as a leasing agent, and that’s where things really opened my eyes. I saw families struggling with tough decisions—loved ones experiencing falls, losing independence, and not knowing what to do next.
That experience led me to start my own Medicare agency, where I could go deeper in helping people navigate those moments. What I’ve learned is that there are so many valuable resources available—but most families don’t know about them until they’re in the middle of a crisis. My mission has been to bridge that gap and help guide people before they get to that point.
Appreciate you sharing that. What should we know about HolidyaCare Health An Insurance Company?
I founded HolidayCare Health Insurance to provide more than just coverage—I wanted to offer real guidance and support as seniors and their families navigate some of the most important decisions of their lives. My background working directly with seniors gave me firsthand experience with the challenges they face, and I built my business around helping people not only understand Medicare, but use it in a way that truly benefits them moving forward. Whether that’s saving money on medications, finding the right doctors, or helping them make sense of confusing bills and mail, I’m there to simplify the process and bring clarity during overwhelming moments.
What truly sets me apart is the personal connection. I meet clients where they are—whether that’s in their homes, at local senior centers, or in the communities where they live, including assisted living and skilled nursing facilities. Being physically present allows me to build trust, advocate more effectively, and support people in real time as their needs change.
I’m based in Utah and have built a strong presence within the senior community through both my professional work and volunteer efforts. I’m also the founder of the Christmas Stockings for Seniors charity project, which delivers between 2,000 and 4,000 stockings each year to seniors living in independent living, assisted living, and skilled nursing facilities across the state.
What I’m most proud of is the reputation I’ve built as someone who genuinely shows up for people. My brand stands for service, trust, and accountability—not just as an insurance professional, but as a true advocate for seniors and their families. I want people to know that when they work with me, they’re not just getting a policy—they’re gaining a partner who will be there every step of the way.
Risk taking is a topic that people have widely differing views on – we’d love to hear your thoughts.
I believe in taking calculated risks with purpose. I believe failure is important for learning and experience. I’ve had many attempts to be successful and am embarrassed to admit that several did not work out. One of my biggest successes was starting my own Medicare agency—there was no safety net. For the first two years, I worked graveyard shifts while building the business during the day, often going without much sleep.
I’ve also chosen a hands-on approach—meeting clients in their homes, assisted living, and skilled nursing facilities. It’s not the easiest path, but it’s the most meaningful. I am pleased to inform my clients that they don’t need to pay me for my services. My compensation is the Insurance companies that I represent. It gives me a great amount of freedom to make sure the client’s needs come first.
At the end of the day, I believe the biggest risk is not taking one—especially when you know you’re here to make a difference.
