Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Aflac vs Shelter Insurance

Life Insurance is one of the most basic requirements to keep a family secured in the event of death of the bread earner of the family. Reliable life insurance come especially handy as they serve as a continuous source of income for your family members and help them deal with life problems in a better way.

However, choosing the best insurance provider is of utmost importance. Below is a comparative study between two most eminent insurance providers- AFLAC and Shelter Life Insurance Company.

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About AFLAC:

AFLAC (American Family Life Assurance Company) or AFLAC Incorporated is one of the most famous insurance companies in US. AFLAC is based in Columbus and was established in 1935 by 3 brothers namely Paul, Bill and John Amos. Today, it is one of the biggest supplemental insurance providers in America.

The company is popular among the people for the outstanding cash benefits it offers in the event of accident or illness of the policy holder. AFLAC, ranked first among the Supplemental Health Insurance Providers in US also has its operations in Japan.

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Types of Insurance Offered by AFLAC:

  • Life Insurance: AFLAC provides whole life, permanent life and term life insurance coverage to their clients. You can choose the life insurance type that best suits your needs.
  • Hospital Confinement Indemnity: If any insurance policy holder has to spend a long time in the hospital for treatment, this type of insurance policy would be of great use. It provides coverage for all the medical expenses and other costs for the treatment of the policy holder.
  • Insurance against Cancer and Other Diseases: This insurance offered by AFLAC provides coverage to insurance holder if he/she is suffering from cancer or any other type of complicated disease. This insurance pays for the medical expenses and treatments.
  • Hospital Confinement Sickness indemnity: This insurance policy provides coverage for all types of medical expenses and associated expenditure in case the policy holder has to remain hospitalized for undefined period. It also provides coverage for the loss of income due to hospital confinement.

Other variety of insurances available from the store of AFLAC includes juvenile life, vision and dental care, accident and life coverage.

About Shelter Life Insurance Company:

Shelter Life Insurance Company ventured into insurance business in 1959. It was initially known as MFA or Mutual Insurance Company. It started with providing comprehensive insurance coverage to farmers in 1946 and since then they have focused on catering to the middle class Americans.

It is one of the most esteemed insurance companies in the country. In 2010, Shelter Life Insurance Company was ranked highly among the top 50 mutual insurance brokers in the country. Presently it provides insurance coverage in more than 14 states in US at the most affordable cost.

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Different types of Insurance Policies Offered by Shelter Life Insurance Company

  • Life Insurance: Shelter offers significant variation in their life insurance policies which are discussed below:
  • Term Life Insurance: In a Term life insurance policy, one needs to purchase insurance coverage for a particular period, which is usually about 10-30 years. In simple terms: it a temporary insurance. If the pension holder passes away within the term period, the beneficiary of the insurance policy is entitled to receive the death benefits.

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There are different types of term life insurance policies such as:

  • EZ Term Life Insurance: It is best suited for people who cannot afford insurance policy with high premium rates. In this type of insurance, the premium remains constant throughout the policy term and you can convert it into permanent insurance only after you cross the age of 40; upon submitting proof of good health.
  • 10, 20, 30 Years Term Life Insurance: This type of term life insurance is particularly designed for small families. It assures death benefits worth more than $100,000. You have the option of choosing the term period- it can be 10, 20 or 30 years as per your convenience.
  • Yearly Renewable Term Life Insurance: This insurance type is intended especially for people who need large amount of coverage at the most reasonable rate. The policy automatically renews until you reach the age of 85 years. You can convert this policy to permanent life insurance without the need to submitting proof of good health.
  • Permanent Life Insurance: Permanent life insurance policy, as the name suggests, is designed to provide coverage to the policy holder for his/her lifetime. The striking feature of this insurance is that it adds worth to the cash value of the policy amount if you cancel the insurance contract. Permanent life insurance is available in 2 forms– Universal Life Insurance and Whole Life Insurance.

Junior Special Insurance

This special category of insurance allows you to get life insurance coverage for your kids at a lower premium rate. A junior special insurance provides coverage up to $20,000 until the age of 26 years with a single premium payment. This insurance can be converted into permanent life insurance policy when the child reaches 25 years.

Business Insurance from Shelter Life Insurance Company:

  • Business Auto Insurance: It is the insurance for vehicles that are used for business purposes (it could be a single vehicle or fleet of automobiles).
  • Business Owner’s Insurance: This type of insurance is useful to secure your business as it provides coverage for any losses that occur due to unexpected mishaps. This insurance also provides protection against loss of income from business.
  • Commercial Fire Insurance: It protects business people from damages caused to their businesses due to fire.

Apart from the above mentioned insurance types, Shelter Life Insurance Company offers a range of other insurances including regular Auto Insurance, Home Insurance and Pet Insurance.

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Comparing AFLAC and Shelter Life Insurance Company:

Both AFLAC and Shelter Life Insurance Company are renowned insurance providers. However, there are certain differences in the insurance policies they offer. The following assessment would help you understand the difference in a better way:

  • While AFLAC is a leading provider of Supplemental Health Insurance, Shelter Life Insurance Company offers range of insurance policies including traditional and business oriented insurances.
  • AFLAC insurance policies are suited for all individuals belonging to the average income group and they cater to different sections of the society including children, juveniles and aged. The insurance policies of Shelter Life Insurance Company are suited for both average and high income group.
  • AFLAC insurance policies are particularly popular among people seeking for protection for day to day expenses in case of unforeseen mishaps. But Shelter Life Insurances are meant for long term benefits and business security.

Choosing one from AFLAC and Shelter Life Insurance

Both AFLAC and Shelter Life Insurance Company are good options to consider when it comes to selecting a good insurance policy for yourself. But since the companies offer policies that are different from one another in their terms, benefits and purposes, no confusion is likely to arise while choosing one from the two. Keep your requirements and mind and choose a policy that fits into it perfectly.

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