Shelter Life Insurance Company, Missouri: Overview, Contacts, Services, Finances, Coverage, Claims, Compliance, Renewal & Cancellations, Reviews

Caring for Your Financial Security: Shelter Life Insurance Company.

An image illustration of Shelter Life Insurance Company
Columbia’s Trusted Protection: Shelter Life Insurance Company.

If you’re searching for an affordable and trustworthy life insurance provider in Missouri, consider Shelter Life Insurance Company.

Shelter Life, a subsidiary of Shelter Insurance, offers various insurance products, including auto, home, business, and farm insurance.

It has a solid reputation for customer satisfaction and financial stability.

In this blog, we’ll examine Shelter Life Insurance Company Missouri, its features, benefits, drawbacks, customer reviews, and frequently asked questions.

Company Overview

Shelter Life Insurance Company, established in 1946 as MFA Mutual Insurance Company, was founded by farmers seeking to safeguard their assets from natural disasters.

Over time, the company expanded its offerings to include life insurance.

In 1981, it rebranded to Shelter Insurance, reflecting its broader scope and vision.

Today, Shelter Insurance is a major insurance group in the Midwest, with over 2,000 employees and 1,400 agents. Shelter Life Insurance Company, the life insurance arm of Shelter Insurance, operates in 15 states, including Missouri.

It’s headquartered in Columbia, Missouri, with Matt Moore as the CEO. In the U.S. life insurance industry, Shelter Life Insurance Company holds a 0.08% market share and ranks 93rd among the top 125 life insurers.

Company Contacts

Here’s some fundamental information about Shelter Life Insurance Company Missouri:

Phone Number (800) 743-5837
Address 1817 West Broadway, Columbia, MO 65218
Customer Service Contact (800) 743-5837 or
Policy Details Vary by product and state
Email Address
Fax Number (573) 214-4595
Operating Hours Monday to Friday, 7 a.m. to 6 p.m. CT

Services & Products

Shelter Life Insurance Company Missouri offers three types of life insurance products: term life, whole life, and universal life.

Each type has its own benefits and drawbacks, depending on your requirements and preferences.

Here’s a brief overview of each product:

  • Term life insurance: This is the most straightforward and cost-effective life insurance type, offering coverage for a specific period, like 10, 20, or 30 years.
  • Whole life insurance: This is the most traditional and permanent life insurance, providing coverage for your entire life as long as you pay the premiums.
  • Universal life insurance: This is the most flexible and customizable life insurance type, offering lifelong coverage and cash value tied to an underlying investment account’s performance.

Financial Details

The cost of life insurance varies based on factors such as age, health, coverage amount, policy type, and duration.

Term life insurance is typically cheaper than whole life or universal life insurance, with younger, healthier individuals paying lower premiums.

To obtain an accurate quote, reach out to a Shelter Life agent or use the online quote tool on their website.

Shelter Life offers multiple payment options, including monthly, quarterly, semi-annually, or annually, with payment methods including check, money order, credit card, debit card, or electronic funds transfer.

Premiums can be deducted from your bank account or paycheck.

Shelter Life provides discounts and promotional offers, including multi-policy, paid-in-full, non-tobacco, and healthy lifestyle discounts.

The company boasts a high claim payout ratio of 98.7%, indicating efficiency and reliability in paying claims.

Coverage Details

Specific coverage details depend on the product and state you choose.

However, some general features and limitations apply to all policies:

  • Policy exclusions: These are situations or causes of death not covered by your policy, such as suicide, war, illegal activities, or hazardous hobbies.
  • Coverage limits: These represent the maximum amounts your policy will pay in the event of a claim. Different policy types have different limits.
  • Add-ons or riders: These optional features enhance or customize your coverage. They may include a waiver of premium rider or an accidental death benefit rider, among others.


Filing a claim with Shelter Life is a straightforward process.

You can submit a claim online, by phone, by mail, or by visiting a local agent.

The required information and documents include the policy number, date and cause of death of the insured person, death certificate of the insured person, beneficiary’s information, and bank account details for direct deposit.

Shelter Life aims to process and approve claims within 10 business days, depending on the complexity and completeness of the claim.

Legal & Compliance

Shelter Life Insurance Company Missouri cares about customer secrets and safety.

The company has a rule that says how it gets, uses, shares, and protects customer information, and also choices for seeing, changing, or saying no to some things.

The rules and conditions say how to use the company’s website and online things, and what people can or cannot do, have, or be responsible for.

Renewals & Cancellations

Renewal and cancellation policies depend on the policy type and state, but some general guidelines apply:

Company Culture

Shelter Life Insurance Company Missouri is honest, good, new, and makes customers happy.

It wants to give quality insurance things and help to people who need it.

The company gives good things and chances to its workers, works well with others, and likes different kinds of people.

It also celebrates when it does well or reaches a goal.

Customer Experiences

Customers have rated Shelter Life Insurance Company Missouri highly.

They appreciate the company’s responsive service, range of products, and professionalism.

The company’s products provide flexibility and control to meet varying needs and goals.



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