Show Them How Much You Care, Even After You're Not There


You've worked hard to ensure your family's financial well being during your lifetime. Doesn’t it make perfect sense to continue taking care of them after you're gone? We offer several options to help you take care of your family's financial security:

Term Life Insurance: Term life is typically purchased for a set amount of time, the "term" usually being 10, 20 or 30 years. No cash value is built up in this option. Rather, if you pass away during the term the policy is in force, your beneficiaries receive the face amount of the policy. It's usually less expensive to establish than permanent life insurance, and can be a good option for those who are looking for all the coverage they can get on a minimal budget. It can also be a great temporary addition to your permanent insurance, to help pay your family's living expenses or the mortgage, for example.

A temporary policy like this can also serve as a way to help guarantee payment for specific obligations like a college loan. Term insurance can help make sure the insured is able to purchase a permanent policy at a later date, often without proof of good health and within certain conversion guidelines. Talk with your Shelter agent about what can work for you.

Permanent Life InsurancePermanent life policies can help you secure your family's financial wellness after you're gone, and they can also be a big help during your lifetime. Many permanent policies have a cash value, so you're able to access the money through loans and withdrawals – for example, to help finance higher education or help make a down payment on a new home. (These withdrawals and any unpaid loans will reduce the amount payable at death.) 

These options work well for people who are moving into their twilight years and want long-term coverage. Our whole life policies' premiums remain the same over the life of the policy, which keeps it economical for the long run. Depending on the policy, you may even be able to use the cash value and dividends to help finance a child's education or take that dream vacation. Our agents can go over our various policy options' specifics, including which policies do and don't offer dividends. 

Junior Special Insurance: You may not have considered life insurance policies for your children or grandchildren. Fact is, our Junior Special Life Insurance policy can help the child lock in a lower premium rate as an adult, and can even help secure coverage as an adult – even if he or she develops health issues.

If you want help secure your family's financial well-being after you're gone, ask your local Shelter agent for a free life insurance review.


  • Why Don't People Buy Life Insurance?

    118x157 Why People Need Life Ins

    Choosing to get life insurance is a big decision and sometimes we procrastinate on tough decisions. There are other reasons people hesitate. See if you identify with any of them.

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  • You Really Need It

    118x157 - Expecting Parents

    Maybe it’s not that you’re procrastinating but you think it’s either expensive or you must have a life changing event take place first. Those are misconceptions we can help with.

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  • How Much Do You Need?

    118x157 Calculator

    So, you’ve decided to get life insurance. How much do you need? Knowing the answer to that is the first step. Find out what’s right for you with our calculator. 

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Policy form #ICC22-1 and ICC22-4. Available in all 15 of our operating states.

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

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.