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  Shelter Insurance Life Insurance

Shelter Insurance Life Insurance

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Shelter Insurance Life Insurance

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Highlights
Financial Strength Rating A

Shelter Insurance Life Insurance Review

Shelter Insurance Life Insurance is an insurance carrier based in Columbia, MO. The company was founded in 1946 and offers life insurance in 15 states in the USA. Life insurance is important for anyone who has loved who depend on them financially. It can also help with final expenses and burial costs.

Shelter Insurance Life Insurance FAQ

What types of life insurance coverage does Shelter Insurance Life Insurance offer?

Insurance carriers typically offer a wide variety of policies. One of the best ways to save money on life insurance is to avoid unnecessary coverage. Only apply for policies and riders you actually need.

Here is a brief description of the coverage Shelter Insurance Life Insurance offers.

  • Term Life Insurance - This is the simplest type of life insurance. It is payable if the insured person dies within a specific period of time. Shelter Insurance Life Insurance offers term lengths ranging from 10 to 30 years.
  • Level Term Insurance - These are term policies that have the same fixed premium and payment amount throughout the life of the policy.
  • Annual Renewable Term Insurance - Annual renewable term policies provide a constant death benefit for the duration of the policy but the premium's are reassessed every year.
  • Whole Life Insurance - Whole life insurance policies remain in force for the entire life of the policyholder provided premiums are paid.
  • Universal Life Insurance - This type of policy guarantees a fixed death benefit and an investment account. The cash value of the investment account will vary depending on the portfolio's performance.

As well as the basic coverage types mentioned above, Shelter Insurance Life Insurance also offers the following policies:

  • Guaranteed Issue Life Insurance - These policies offer a cash death benefit to the beneficiary. All coverage applications are approved regardless of health concerns. The catch is these policies usually have lower death benefits and higher than normal premiums.

How can you save money on a Shelter Insurance Life Insurance life insurance policy?

When you ask for a quote with Shelter Insurance Life Insurance, ask what policy discounts are available.

What is the financial strength rating of Shelter Insurance Life Insurance?

The financial strength rating of a life insurance company scores its ability to pay contracts and policies.

Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy.

There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

Shelter Insurance Life Insurance scores an A or excellent, which is SuperMoney's second highest available score.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   1817 West Broadway
    Columbia, MO 65218 USA
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 10:00pm
  • Tuesday 7:00am - 10:00pm
  • Wednesday 7:00am - 10:00pm
  • Thursday 7:00am - 10:00pm
  • Friday 7:00am - 10:00pm
  • Saturday 7:00am - 10:00pm

Other Services by Shelter Insurance

Availability

  Available in 15 states
  • Arkansas
  • Colorado
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • Ohio
  • Oklahoma
  • Tennessee

Feature Breakdown

Financial Strength Rating A
Life Insurance Features Cash Value Loans
Term Length 10 - 30
Term Options
  • Term Life
  • Level Term
  • Annual Renewable
Whole / Permanent Life Options
  • Whole Life (Traditional)
  • Universal Life
Life Insurance Riders
  • Waiver of Premium Due to Illness / Disability
  • Paid-Up Additions
  • Term Conversion
  • Guaranteed Insurability / Renewability

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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.