EZ Term® Life Insurance | Shelter Insurance®

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EZ TermĀ® Life Insurance

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Think of EZ Term® Life Insurance as "Starter Insurance"

If your parents didn't purchase a Junior Special life insurance policy for you as a child, you might not understand the importance of having life insurance, especially if you're just starting out on your own in life—a time when money is tight for most people. For the first time in your life, you are responsible for paying rent, utilities, car insurance, maybe a car payment and a student loan payment. In addition, you probably had to furnish your new place and get renters insurance. You probably think life insurance is just another monthly expense you don't need, but you don't want to leave your family with your outstanding debts and funeral expenses, right?

Your employer may offer life insurance, but it usually isn't portable, which means if you leave your company, your life insurance might not go with you. It's even possible your employer's benefits could change and they may not provide life insurance anymore. That's why it's smart to get life insurance outside of your employer—and it's more affordable than you think with our EZ Term® Life Insurance policy:

The policy offers:

  • $50,000 in coverage until age 40
  • Premiums that remain the same throughout the life of policy
  • Conversion to a permanent policy at any time before age 40, without proof of good health
  • An optional* Waiver of Premium benefit, which allows premiums to be waived after six months of total disability

Chances are you can qualify for this policy if you:

  • Are in good health
  • Do not use drugs
  • You maintain a good driving record
  • Do not engage in a hazardous sport or occupation

We encourage you to talk to a local Shelter agent to learn more about our EZ Term® Life Insurance policy.


*Must meet underwriting guidelines

The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation.

Shelter Life Insurance Company, 1817 West Broadway, Columbia, MO 65218

Policy form #ICC17-2 in all of our 15 operating states.