Life, health, auto, home and travel cover built around your family — clear pricing, plain-English policies, and claims paid in days, not months.
Pick the cover you need today and bundle the rest whenever you're ready — one login, one bill, one claims team that already knows your file.
from $18/mo
Term and whole life cover that keeps the mortgage paid and the kids' plans on track — whatever happens.
from $96/mo
Individual, family and small-business plans with a network that covers 96% of US hospitals.
from $42/mo
Full or liability cover with accident forgiveness and safe-driver rewards that actually pay back.
from $27/mo
Dwelling, contents and liability cover with a rebuild guarantee, for owners and renters alike.
from $9/trip
Single-trip or annual multi-trip cover for cancellations, medical bills and everything the airline loses.
Move the sliders and watch the number update. Nothing here is a credit check, and nothing is binding until you sign.
Illustrative estimate only. Figures use average rate tables for the selected ZIP and are not an offer of insurance, a binder, or a guarantee of acceptance. Final pricing follows underwriting.
Start online, in the app or by phone at 1-800-SHIELD. Upload photos straight from your camera roll — no printouts, no faxes.
A named licensed adjuster picks up your file and calls you with a claim number, a checklist and a realistic timeline.
Most claims are settled from documents and photos. For larger losses we send an inspector — you approve the scope before work starts.
A payout to your bank account, or direct to the repairer or hospital. You can track every step in real time in the portal.
Snap the damage, upload it, and our system pre-fills the estimate. 71% of claims need zero paperwork.
Storms, burst pipes and roadside breakdowns don't keep office hours. Neither does our claims desk.
If an independent assessment says we underpaid, we top up the difference plus $250. In writing.
We ask every policyholder to rate us after a claim — not after a signup. Here's what came back this quarter.
Our basement flooded on a Sunday night. I filed the claim from my phone at 11pm and had $9,400 in my account by Wednesday. I've never had an insurer move that fast.
Maya WhitfieldPortland, OR · Home & auto
Claim paid
I'm self-employed, so health cover was always confusing. My agent compared four plans, explained the deductible in plain English, and saved me $180 a month.
Daniel OkaforAustin, TX · Health
Saved $180/mo
After 31 years with the same carrier I switched for the service, not the price. Two years in, my wife's surgery was approved the same afternoon. That's the whole review.
Robert FeldsteinNaperville, IL · Life & health
3-year member
Search by ZIP code or city. Every agent below is licensed in your state and works on salary — never on commission pressure.
4 agents available near 94107
The four things people ask us most, answered without the small print voice.
The average settled claim pays out in 3.2 days from the moment we receive your documents. Simple claims — windscreen, lost baggage, minor water damage — usually clear inside 24 hours. Complex losses needing an on-site inspection average 11 days, and your adjuster gives you that timeline in writing on day one.
Yes. Bundling any two covers takes 12% off both, and three or more takes 18%. The most common combination is home plus auto ($61/mo combined on average), and you can add life cover later without re-underwriting the policies you already hold.
For most applicants under 45 asking for up to $1M of term cover, no. We use a short health questionnaire and prescription-database check instead, which usually returns a decision the same day. Larger cover amounts, or applicants with a significant medical history, may need a paramedical exam — we book it at your home at no cost.
No. Everything on this page is an illustrative estimate based on average rate tables for your ZIP code, age and cover amount. It isn't an offer, a binder or a guarantee of acceptance — your final premium is confirmed after underwriting, and you can walk away at any point before you sign with no fee.
Answer a few questions, see your price, and talk to a licensed agent only if you want to. No obligation, no spam, no pressure calls at dinner.