Company Details
Company Name:
SHELTER LIFE INSURANCE COMPANYLicense Status:
ActiveNAIC Number:
65757Company Address:
1817 WEST BROADWAY COLUMBIA, MO 65218-0001
Phone Number:
5734458441Mailing Address:
1817 WEST BROADWAY COLUMBIA, MO 65218-0001
Mailing Phone:
5732147468Description:
Life and Health (Ch 376 & 377, RSMo)License Number:
A419829Date Admitted:
1959-03-02Market Share
| Year | Line | Market Share | Direct Premium Written | Direct Premium Earned | Dividends Paid | Direct Losses Paid | Direct Losses Incurred | In Force | Loss Ratio |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | Total Accident & Health | 0.02% | $3,771,692 | $3,787,119 | $0 | $4,957,813 | $5,014,594 | $0 | 101.15% |
| 2025 | Total Individual Accident & Health | 0% | $31,491 | $42,227 | $0 | $40,370 | $94,755 | $0 | 234.72% |
| 2025 | Individual Comprehensive Medical Expense | 0% | $12,256 | $12,234 | $0 | $16,150 | $65,750 | $0 | 407.12% |
| 2025 | Individual Medicare Supplement | 0% | $12,456 | $22,889 | $0 | $16,855 | $10,783 | $0 | 63.98% |
| 2025 | Individual Disability Income | 0.01% | $6,779 | $7,104 | $0 | $7,365 | $18,222 | $0 | 247.41% |
| 2025 | Total Group Accident & Health | 0.04% | $3,740,201 | $3,744,892 | $0 | $4,917,443 | $4,919,839 | $0 | 100.05% |
| 2025 | Group Comprehensive Medical Expenses - Large Employer | 0.15% | $3,512,310 | $3,515,790 | $0 | $4,714,287 | $4,717,591 | $0 | 100.07% |
| 2025 | Group Dental | 0.07% | $227,891 | $229,102 | $0 | $203,156 | $202,248 | $0 | 99.55% |
| 2025 | Total Life & Annuities | 0.22% | $37,189,232 | $0 | $939,467 | $29,460,912 | $0 | $7,807,615 | 0% |
| 2025 | Total Individual Life | 0.87% | $34,974,629 | $0 | $939,467 | $24,413,315 | $0 | $7,494,400 | 0% |
| 2025 | Individual Whole Life | 0.99% | $9,273,707 | $0 | $932,280 | $5,739,791 | $0 | $486,319 | 0% |
| 2025 | Individual Term Life | 2.92% | $17,826,762 | $0 | $7,187 | $10,662,907 | $0 | $6,183,238 | 0% |
| 2025 | Individual Universal Life | 1.9% | $7,498,848 | $0 | $0 | $8,010,617 | $0 | $824,843 | 0% |
| 2025 | Individual Deposit-Type Contract Funds | 0.03% | $375,312 | $0 | $0 | $0 | $0 | $0 | 0% |
| 2025 | Total Individual Annuities | 0.01% | $651,351 | $0 | $0 | $3,881,547 | $0 | $0 | 0% |
| 2025 | Individual Fixed Annuities | 0.02% | $651,351 | $0 | $0 | $3,881,547 | $0 | $0 | 0% |
| 2025 | Total Individual Life & Annuities | 0.26% | $35,625,980 | $0 | $939,467 | $28,294,862 | $0 | $7,494,400 | 0% |
| 2025 | Total Group Life | 0.1% | $1,563,252 | $0 | $0 | $1,166,050 | $0 | $313,215 | 0% |
| 2025 | Group Term Life | 0.23% | $1,555,371 | $0 | $0 | $1,154,000 | $0 | $310,949 | 0% |
| 2025 | Group Credit Life | 0.13% | $7,881 | $0 | $0 | $12,050 | $0 | $2,266 | 0% |
| 2025 | Total Group Life & Annuities | 0.05% | $1,563,252 | $0 | $0 | $1,166,050 | $0 | $313,215 | 0% |
| 2024 | Total Accident & Health | 0.03% | $3,995,841 | $4,022,706 | $0 | $5,170,135 | $4,854,031 | $0 | 93.89% |
| 2024 | Total Individual Accident & Health | 0% | $48,815 | $60,387 | $0 | $42,656 | $-265,264 | $0 | 0% |
| 2024 | Individual Medicare Supplement | 0% | $25,000 | $29,633 | $0 | $27,630 | $5,671 | $0 | 20.52% |
| 2024 | Individual Disability Income | 0.02% | $23,815 | $30,754 | $0 | $15,026 | $-270,935 | $0 | 0% |
| 2024 | Total Group Accident & Health | 0.04% | $3,947,026 | $3,962,319 | $0 | $5,127,479 | $5,119,295 | $0 | 99.84% |
| 2024 | Group Comprehensive Medical Expenses - Large Employer | 0.16% | $3,947,026 | $3,962,319 | $0 | $5,127,479 | $5,119,295 | $0 | 99.84% |
| 2024 | Total Life & Annuities | 0.23% | $36,936,651 | $0 | $918,643 | $29,461,682 | $0 | $7,589,283 | 0% |
| 2024 | Total Individual Life | 0.77% | $33,978,470 | $0 | $918,643 | $22,642,067 | $0 | $7,288,063 | 0% |
| 2024 | Individual Whole Life | 0.99% | $8,965,968 | $0 | $911,907 | $4,887,405 | $0 | $422,124 | 0% |
| 2024 | Individual Term Life | 2.89% | $17,369,631 | $0 | $6,736 | $9,297,690 | $0 | $6,067,161 | 0% |
| 2024 | Individual Universal Life | 2.98% | $7,110,322 | $0 | $0 | $8,448,241 | $0 | $798,778 | 0% |
| 2024 | Individual Credit Life | 0% | $0 | $0 | $0 | $8,731 | $0 | $0 | 0% |
| 2024 | Individual Deposit-Type Contract Funds | 0.03% | $532,549 | $0 | $0 | $0 | $0 | $0 | 0% |
| 2024 | Total Individual Annuities | 0.02% | $1,457,885 | $0 | $0 | $5,514,615 | $0 | $0 | 0% |
| 2024 | Individual Fixed Annuities | 0.06% | $1,457,885 | $0 | $0 | $5,514,615 | $0 | $0 | 0% |
| 2024 | Total Individual Life & Annuities | 0.28% | $35,436,355 | $0 | $918,643 | $28,156,682 | $0 | $7,288,063 | 0% |
| 2024 | Total Group Life | 0.1% | $1,500,296 | $0 | $0 | $1,305,000 | $0 | $301,220 | 0% |
| 2024 | Group Term Life | 0.24% | $1,492,096 | $0 | $0 | $1,305,000 | $0 | $298,767 | 0% |
| 2024 | Group Credit Life | 0.11% | $8,200 | $0 | $0 | $0 | $0 | $2,453 | 0% |
| 2024 | Total Group Life & Annuities | 0.05% | $1,500,296 | $0 | $0 | $1,305,000 | $0 | $301,220 | 0% |
| 2023 | Total Accident & Health | 0.03% | $4,161,926 | $4,157,060 | $0 | $5,174,486 | $5,049,210 | $0 | 97.58% |
| 2023 | Total Individual Accident & Health | 0% | $67,056 | $75,392 | $0 | $153,454 | $153,628 | $0 | 100.11% |
| 2023 | Individual Medicare Supplement | 0.01% | $38,767 | $41,950 | $0 | $62,839 | $54,461 | $0 | 86.67% |
| 2023 | Individual Disability Income | 0.03% | $28,289 | $33,442 | $0 | $90,615 | $99,167 | $0 | 109.44% |
| 2023 | Total Group Accident & Health | 0.04% | $4,094,870 | $4,081,668 | $0 | $5,021,032 | $4,895,582 | $0 | 97.5% |
| 2023 | Group Comprehensive Medical Expense - Large Employer | 0.17% | $4,094,870 | $4,081,668 | $0 | $5,021,032 | $4,895,582 | $0 | 97.5% |
| 2023 | Total Life | 0.28% | $37,403,036 | $0 | $1,086,631 | $30,340,317 | $0 | $7,403,106 | 0% |
| 2023 | Total Individual Life | 0.36% | $35,905,903 | $0 | $1,086,631 | $29,491,295 | $0 | $7,108,117 | 0% |
| 2023 | Individual Whole Life | 1.04% | $9,125,953 | $0 | $1,079,653 | $5,228,981 | $0 | $374,413 | 0% |
| 2023 | Individual Term Life | 2.93% | $17,277,020 | $0 | $6,978 | $7,969,046 | $0 | $5,942,249 | 0% |
| 2023 | Individual Universal Life | 1.21% | $6,890,063 | $0 | $0 | $8,240,887 | $0 | $791,455 | 0% |
| 2023 | Individual Ordinary Annuities | 0.06% | $1,717,391 | $0 | $0 | $8,052,381 | $0 | $0 | 0% |
| 2023 | Individual Deposit-Type Funds | 0.07% | $895,476 | $0 | $0 | $0 | $0 | $0 | 0% |
| 2023 | Total Group Life | 0.04% | $1,497,133 | $0 | $0 | $849,022 | $0 | $294,989 | 0% |
| 2023 | Group Term Life | 0.25% | $1,489,238 | $0 | $0 | $849,022 | $0 | $292,575 | 0% |
| 2023 | Group Credit Life | 0.11% | $7,895 | $0 | $0 | $0 | $0 | $2,414 | 0% |
| 2022 | Total Accident & Health | 0.03% | $4,163,336 | $4,188,406 | $0 | $4,517,172 | $4,517,577 | $0 | 100.01% |
| 2022 | Total Individual Accident & Health | 0% | $84,833 | $88,048 | $0 | $225,980 | $150,223 | $0 | 66.48% |
| 2022 | Individual Medicare Supplement | 0.01% | $56,074 | $58,411 | $0 | $97,554 | $109,062 | $0 | 111.8% |
| 2022 | Individual Disability Income | 0.03% | $28,759 | $29,637 | $0 | $128,426 | $41,161 | $0 | 32.05% |
| 2022 | Total Group Accident & Health | 0.05% | $4,078,503 | $4,100,358 | $0 | $4,291,192 | $4,367,354 | $0 | 101.77% |
| 2022 | Group Comprehensive Medical Expense - Large Employer | 0.17% | $4,078,503 | $4,100,358 | $0 | $4,291,192 | $4,367,354 | $0 | 101.77% |
| 2022 | Total Life | 0.25% | $36,223,087 | $0 | $841,456 | $29,005,312 | $0 | $7,264,011 | 0% |
| 2022 | Total Individual Life | 0.35% | $34,672,777 | $0 | $841,456 | $27,835,312 | $0 | $6,972,839 | 0% |
| 2022 | Individual Whole Life | 1.04% | $8,975,745 | $0 | $841,456 | $5,021,057 | $0 | $368,473 | 0% |
| 2022 | Individual Term Life | 2.68% | $16,669,241 | $0 | $0 | $7,901,438 | $0 | $5,805,763 | 0% |
| 2022 | Individual Universal Life | 0.91% | $7,131,127 | $0 | $0 | $9,555,016 | $0 | $798,603 | 0% |
| 2022 | Individual Credit Life | 0% | $0 | $0 | $0 | $5,000 | $0 | $0 | 0% |
| 2022 | Individual Ordinary Annuities | 0.04% | $969,027 | $0 | $0 | $5,352,801 | $0 | $0 | 0% |
| 2022 | Individual Deposit-Type Funds | 0.09% | $927,637 | $0 | $0 | $0 | $0 | $0 | 0% |
| 2022 | Total Group Life | 0.03% | $1,550,310 | $0 | $0 | $1,170,000 | $0 | $291,172 | 0% |
| 2022 | Group Term Life | 0.28% | $1,542,824 | $0 | $0 | $1,170,000 | $0 | $288,890 | 0% |
| 2022 | Group Credit Life | 0.08% | $7,486 | $0 | $0 | $0 | $0 | $2,282 | 0% |
| 2021 | Total Accident & Health | 0.03% | $4,188,214 | $4,183,419 | $0 | $3,977,526 | $4,175,696 | $0 | 104.98% |
| 2021 | Total Individual Accident & Health | 0% | $103,338 | $114,397 | $0 | $209,223 | $355,515 | $0 | 169.92% |
| 2021 | Individual Medicare Supplement | 0.01% | $70,138 | $80,146 | $0 | $60,609 | $48,411 | $0 | 79.87% |
| 2021 | Individual Disability Income | 0.03% | $33,200 | $34,251 | $0 | $148,614 | $307,104 | $0 | 206.65% |
| 2021 | Total Group Accident & Health | 0.05% | $4,084,876 | $4,069,022 | $0 | $3,768,303 | $3,820,181 | $0 | 101.38% |
| 2021 | Group Comprehensive Medical Expense - Large Employer | 0.18% | $4,084,876 | $4,069,022 | $0 | $3,768,303 | $3,820,181 | $0 | 101.38% |
| 2021 | Total Life | 0.29% | $35,835,482 | $0 | $772,300 | $31,613,783 | $0 | $7,115,697 | 0% |
| 2021 | Total Individual Life | 0.44% | $34,399,759 | $0 | $772,300 | $30,397,783 | $0 | $6,823,665 | 0% |
| 2021 | Individual Whole Life | 0.98% | $8,650,992 | $0 | $772,300 | $5,432,637 | $0 | $367,056 | 0% |
| 2021 | Individual Term Life | 2.64% | $16,066,128 | $0 | $0 | $12,786,777 | $0 | $5,647,112 | 0% |
| 2021 | Individual Universal Life | 0.89% | $7,051,377 | $0 | $0 | $8,255,013 | $0 | $809,497 | 0% |
| 2021 | Individual Ordinary Annuities | 0.09% | $1,335,554 | $0 | $0 | $3,923,356 | $0 | $0 | 0% |
| 2021 | Individual Deposit-Type Funds | 1.41% | $1,295,708 | $0 | $0 | $0 | $0 | $0 | 0% |
| 2021 | Total Group Life | 0.03% | $1,435,723 | $0 | $0 | $1,216,000 | $0 | $292,032 | 0% |
| 2021 | Group Term Life | 0.24% | $1,427,278 | $0 | $0 | $1,216,000 | $0 | $289,640 | 0% |
| 2021 | Group Credit Life | 0.07% | $8,445 | $0 | $0 | $0 | $0 | $2,392 | 0% |
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2025 | Health | 0% | 0 | 0 |
| 2025 | Life and Annuities | 0% | 5 | 0 |
| 2024 | Health | 0% | 0 | 0 |
| 2024 | Life and Annuities | 0.31% | 5 | 240 |
| 2023 | Health | 0.04% | 0 | 0 |
| 2023 | Life and Annuities | 0.32% | 8 | 333 |
| 2023 | Medicare Supplement Insurance | 0.01% | 0 | 0 |
| 2022 | Health | 0.05% | 0 | 0 |
| 2022 | Life and Annuities | 0.34% | 8 | 329 |
| 2022 | Medicare Supplement Insurance | 0.01% | 0 | 0 |
| 2021 | Health | 0.05% | 0 | 0 |
| 2021 | Life and Annuities | 0.35% | 8 | 297 |
| 2021 | Medicare Supplement Insurance | 0.01% | 0 | 0 |
Company Changes
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