Shelterpoint Life Insurance Company Review (2024)
Shelterpoint Life Insurance Company has firmly positioned itself as a trusted leader in the insurance industry, offering an array of coverage options, including life, health, and disability insurance, making it a reliable choice for individuals and businesses seeking to secure their financial future.
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Shelterpoint Life Insurance Company
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
A-Complaint Level:
LowPros
- Wide range of insurance products, including life, health, and disability insurance.
- Strong financial stability and a good A.M. Best rating.
- Commitment to customer service and helping clients with insurance needs.
Cons
- Limited information on auto insurance since the company primarily focuses on other insurance types.
- Complaint levels may vary, as with any insurance company, depending on individual experiences.
Shelterpoint Life Insurance Company is a versatile provider of insurance solutions, offering a diverse range of products to safeguard financial futures.
With a focus on life, health, and disability insurance, Shelterpoint provides options such as term and whole life insurance, individual and group health insurance plans, and short-term and long-term disability insurance coverage.
Their commitment to customer service and strong financial stability, reflected in an A.M. Best rating of A- (Excellent), make them a reliable choice for those seeking comprehensive coverage.
While specifics may vary by location and individual circumstances, Shelterpoint remains dedicated to assisting clients in protecting their well-being and ensuring financial security throughout life’s journey.
Shelterpoint Life Insurance Company Insurance Coverage Options
Here’s a bullet list summarizing the coverage options offered by Shelterpoint Life Insurance Company based on the information provided in the earlier article:
Life Insurance
- Term Life Insurance: Affordable coverage for a specified period.
- Whole Life Insurance: Lifelong coverage with cash value accumulation.
Health Insurance
- Individual Health Insurance: Comprehensive coverage for individuals.
- Group Health Insurance: Coverage for businesses to provide employees with healthcare benefits.
Disability Insurance
- Short-Term Disability Insurance: Temporary financial support during shorter disabilities.
- Long-Term Disability Insurance: Ongoing income replacement for extended disabilities.
Please keep in mind that the availability and specific details of these coverage options may vary depending on your location and individual circumstances. It’s essential to contact Shelterpoint directly or visit their website for the most accurate and tailored information regarding their insurance products.
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Shelterpoint Life Insurance Company Insurance Rates Breakdown
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| Driver Profile | Shelterpoint Life | National Average |
|---|---|---|
| Clean Record | $8 | $119 |
| 1+ Ticket | $10 | $147 |
| 1+ Accident | $13 | $173 |
| DUI | $17 | $209 |
| Poor Credit | $14 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Shelterpoint Life Insurance Company Discounts Available
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| Discounts | Shelterpoint Life |
|---|---|
| Anti Theft | 8% |
| Good Student | 12% |
| Low Mileage | 15% |
| Paperless | 9% |
| Safe Driver | 14% |
| Senior Driver | 12% |
Shelterpoint Life Insurance Company primarily specializes in life, health, and disability insurance, here are some common types of discounts that insurance companies may offer:
- Multi-Policy Discount: If you bundle multiple insurance policies (e.g., life and health insurance) with Shelterpoint, you may be eligible for a discount.
- Good Health Discount: Some insurers offer discounts to policyholders who maintain a healthy lifestyle, such as non-smokers or individuals with regular check-ups.
- Long-Term Policy Discount: You might receive a discount for choosing a long-term insurance policy, which can provide stability and cost savings.
- Group Discounts: If you are part of a group insurance plan, such as through your employer, you may qualify for group discounts.
- Safe Lifestyle Discount: While not typically associated with Shelterpoint’s insurance offerings, some companies offer discounts to policyholders who take safety precautions or live in safe neighborhoods.
- Loyalty Discount: Some insurers reward long-term policyholders with discounts for their loyalty.
Please note that these are general types of discounts, and whether Shelterpoint offers any of them would depend on the specific policies and terms they provide. To get precise information on any available discounts from Shelterpoint Life Insurance Company, I recommend reaching out to them directly or visiting their official website for the most current and accurate details.
How Shelterpoint Life Insurance Company Ranks Among Providers
As of my last knowledge update in September 2021, Shelterpoint Life Insurance Company primarily specializes in life, health, and disability insurance, which places it in a specific niche within the insurance industry.
The competitive landscape for such insurance providers can vary depending on the region and the specific types of products offered. Here are some potential competitors that Shelterpoint may face within its niche:
- Metlife: Metlife is a well-known insurance company offering a wide range of life and health insurance products. They have a substantial presence in the insurance industry and are often considered a competitor in the life insurance market.
- Prudential financial: Prudential offers various life insurance products and services, including term life, whole life, and universal life insurance. They are a significant player in the life insurance industry.
- Aetna: Aetna, a subsidiary of CVS Health, is known for its health insurance products, including individual and group health insurance plans. They can be a competitor in the health insurance segment.
- Guardian life insurance company: Guardian is a mutual life insurance company that provides a range of life, disability, and dental insurance products. They often compete with other insurers in the life and disability insurance space.
- Unum group: Unum specializes in disability insurance, including both short-term and long-term disability coverage. They are a prominent player in the disability insurance market and can be considered a competitor in this specific niche.
- New york life insurance company: New york life is one of the largest mutual life insurance companies in the United States. They offer various life insurance and annuity products and can be a competitor in the life insurance sector.
Please note that the competitive landscape in the insurance industry is dynamic, and it can change over time due to mergers, acquisitions, and shifts in market focus. Additionally, the specific competitors for Shelterpoint may vary depending on the geographic region and the exact nature of the insurance products they offer.
For the most up-to-date and accurate information on Shelterpoint’s competitors, it’s advisable to consult industry reports, market research, and financial news sources, as well as to visit Shelterpoint’s official website for any information they provide about their competitors.
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Shelterpoint Life Insurance Company Claims Process
Ease of Filing a Claim
Shelterpoint Life Insurance Company understands the importance of a hassle-free claims process. They offer multiple avenues for filing a claim, including online submissions, phone assistance, and mobile apps. This variety ensures that policyholders can choose the method most convenient for them, making it easier to initiate a claim when needed.
Average Claim Processing Time
One of the crucial aspects of any insurance provider is the speed at which they process claims. Shelterpoint strives for efficient claim processing to provide timely support to their customers. The average claim processing time may vary depending on the nature and complexity of the claim, but Shelterpoint aims to streamline the process to minimize any unnecessary delays.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback can provide valuable insights into an insurance company’s performance. Shelterpoint Life Insurance Company values transparency and customer satisfaction. We encourage policyholders to share their experiences with claim resolutions and payouts.
Shelterpoint Life Insurance Company Digital and Technological Features
Mobile App Features and Functionality
Shelterpoint understands the importance of technology in enhancing the customer experience. Their mobile app offers a range of features and functionalities to ease policy management. These may include the ability to view policy details, make premium payments, and even initiate claims directly from the app.
Online Account Management Capabilities
In today’s digital age, online account management is a must-have for insurance providers. Shelterpoint aims to empower policyholders with robust online account management tools. These tools may include account access, policy document retrieval, and the ability to update personal information.
Digital Tools and Resources
To assist customers in making informed decisions, Shelterpoint may provide various digital tools and resources. These tools could range from insurance calculators to educational materials on different coverage options. We explore the digital resources available to policyholders to evaluate their usefulness in helping individuals and businesses navigate their insurance needs effectively.
Frequently Asked Questions
How do I determine the right life insurance policy for my needs?
Choosing the right life insurance policy depends on your financial goals and circumstances. Term life insurance is affordable and temporary, while whole life insurance offers lifelong coverage and a savings component. Consulting with a licensed insurance agent can help you select the best option based on your specific requirements.
Are there any health requirements for purchasing life insurance?
Yes, insurance companies typically require applicants to undergo a medical underwriting process, which may include a health questionnaire and possibly a medical exam. The results of these assessments can affect your premium rates and eligibility for certain policies.
Can I customize my health insurance plan to include specific coverage options?
Yes, many health insurance plans, including those offered by Shelterpoint, can be customized to include specific coverage options tailored to your needs. These may include options for prescription drug coverage, maternity benefits, and dental or vision coverage, among others.
How do I file a disability insurance claim with Shelterpoint?
To file a disability insurance claim with Shelterpoint, you should contact their claims department directly. They will guide you through the process, which typically involves providing medical documentation and other necessary information to evaluate your claim promptly.
What is the difference between short-term and long-term disability insurance?
Short-term disability insurance provides income replacement for shorter periods when you’re unable to work due to a covered disability, often up to six months. Long-term disability insurance, on the other hand, offers income replacement for extended disabilities and can last for several years or even until retirement age.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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