live life | Shelter Insurance®

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You might not think about life insurance until you have a life change – you get married, buy a home or start a family. Maybe you think you don't need it or you can't afford it.

Fortunately, we have options that may make it more affordable than you realize, especially if you are in good health.

Reasons to Purchase Life Insurance at Various Life Stages

  • Just Out of School - When you are just starting out in life, chances are you may incur some debt to buy a car, buy clothes for work, furnish an apartment, etc. You may even have student loan debt. Given this scenario, you probably think you don't have anything worth insuring. However, the risk of death for healthy young adults is lower, which means your life insurance premiums may be lower. And in the event that something does happen to you, your family will have the funds they need to make proper burial arrangements and cover any other financial obligations that you may have.
  • Just Married – If you just got married, you may still be renting, but eventually you will probably buy a house. This means you will have a mortgage. Although money may be tight, a Shelter term life insurance policy is an affordable way to help ensure your spouse can keep the house if you die.  After all, if you were to leave this world tomorrow, wouldn't you want to have a way to provide for your loved one so they wouldn't have to worry about finances on top of missing you?
  • Just Starting a Family – If something happens to you, you want to be sure your family doesn't have to worry about losing their home—and wouldn't it be nice if you could help with the kids’ college tuition? It's also a good time to consider a Shelter Junior Special policy for your kids. The primary reason this policy is purchased for children is it guarantees insurability, meaning your child will be offered the lowest rate when it's time to convert to a Shelter permanent life insurance policy at age 25.

Reasons People Don't Buy Life Insurance

For a lot of people, money is tight—and there's a common misconception that life insurance is expensive, so they don't look into it further. It's true that life insurance can cost more if you are not in good health or you work in a high-risk profession. The cost also tends to go up with age. But if you make your move to purchase life insurance while you're still young or in good health, you may qualify for a cheaper rate.

Below are Shelter's recommendations on what life insurance policy may fit your current life stage.  

 New GraduateNewly MarriedNew BabyNew HouseOn a Budget
EZ Term Life™ Insurance

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Level Term Life Insurance  

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Shelter Express Term® Life Insurance

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Universal Life Insurance  

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Permanent Whole Life Insurance  

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Junior Special Life Insurance    

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Don't see your particular life stage? Keep in mind Shelter provides a wide variety of term and permanent life insurance policies, so there's something for every budget and every stage of your life. Feel free to contact a local Shelter agent to review life insurance options that are right for you. 

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

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