Give the Perfect Gift | Shelter Insurance®

It's holiday shopping time again, and you might be excited about getting gifts for your child or grandchild. After all—who doesn't enjoy watching their little faces light up when they unwrap their favorite toys?  The thought of giving them a life insurance policy as a gift probably appeals to you as much as it does to them, but when we explain our Junior Special Life Insurance policy, you'll understand why it's important.

Many parents and grandparents are drawn to our Junior Special Life Insurance policy because from the insured's 25th birthday to the policy's expiration date, it can be converted to an ultimate face value up to five times the original. The opportunity to convert to a permanent policy gives the child access to coverage regardless of any medical conditions they may develop that would make life insurance more expensive or unattainable.

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





















You probably won't see life insurance on a child's wish list, but it is a gift they'll appreciate in the future. So go ahead and buy their favorite toys, but get them a Junior Special policy too. 

  • Your Life

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    You've purchased a Junior Special for the child in your life, but you need life insurance too. Find out what type of life insurance is right for you.

    See Options
  • Your Coverage Questions

    Questions about your coverage? Our agents can help you identify gaps in coverage or tell you if you qualify for discounts. 

    See an Agent
  • Your New Car

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    Planning to purchase a new car in the near future? Good thing we've got New Car Replacement Coverage for you and your new ride.

    See Coverage

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

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