Jr. Special | Shelter Insurance®

From the time your kids are born, you teach them basic life skills—how to walk, how to ride a bike, how to drive,  how to cook, etc. You will probably also teach them about finances—saving money, budgeting and the importance of life insurance. Your kids pay attention to what you do, and if you save money for their college education and your retirement, you're setting a great example for them. Another great example is setting them up for affordable life insurance.

Many parents and grandparents are drawn to our Junior Special life insurance policy because of its conversion option. This option allows the policy owner to convert the policy to a Whole Life or Universal Life policy before the expiration date--without evidence of insurability. This means at age 25 to the policy's expiration date, if your child develops an illness that would make it difficult for them to get life insurance later, they won't have to worry—the Junior Special can still be converted, regardless of any medical conditions they may develop.

Coverage for a Junior Special ranges from $5,000 to $20,000, and Shelter has affordable premiums. Check out the chart below for premium and coverage options:

Initial Amount of Insurance

One-Time Payment

12 Monthly Payments

4 Quarterly Payments

2 Semi-Annual Payments





















To learn more about this policy or other life insurance options we offer, contact a Shelter agent near you

Shelter Life Insurance Company, 1817 West Broadway, Columbia, Missouri
Policy form #ICC22-1 and ICC22-4. Available in all 15 of our operating states.

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.

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