ShieldYour Policy
Ends at 65.
Your Risk
Doesn't.
Medicare stops short. Shield picks up where it leaves off — covering the costs of disability, cognitive decline, and home care that drain a lifetime of savings in a single year.
$14k
avg. monthly
stroke care cost
90
days to drain
$100k in savings
0%
Medicare covers
long-term home care
The average American family spends $47,000 out-of-pocket in a parent's final three years of care.
If you can't perform two of six daily living activities, we pay. Every month. No questions.
Shield policies are triggered by medical necessity — not by paperwork, not by approval committees. Your physician certifies. We pay within 30 days.
Guaranteed Renewable
Your policy cannot be cancelled as long as premiums are paid — regardless of health changes.
No Lifetime Benefit Cap
Shield Comprehensive pays for as long as you need care — there is no dollar limit on your protection.
30-Day Free Look
Review your policy for 30 days. Return it for any reason and receive a full premium refund.
Home Care Included
Benefits pay for licensed home care aides — no requirement to enter a nursing facility.
Coverage Comparison
Every row addresses a specific fear.
No vague benefit descriptions. Precise dollar figures and clear inclusions — so you know exactly what stands between your family and a financial crisis.
| Feature | Essential | Preferred | Comprehensive |
|---|---|---|---|
| Core Benefit | |||
| Monthly Benefit Amount | $2,500 / mo | $5,000 / mo | $8,000 / mo |
| Benefit Period | 2 years | 5 years | Lifetime |
| Elimination Period | 90 days | 60 days | 30 days |
| Hospital & Facility | |||
| Hospital Confinement | |||
| Skilled Nursing Facility | |||
| Assisted Living Facility | |||
| Home & Community | |||
| Licensed Home Care Aide | |||
| Home Modification Benefit | Up to $5,000 | Up to $15,000 | |
| Adult Day Care | |||
| Cognitive & Chronic | |||
| Cognitive Decline Rider | |||
| Alzheimer's / Dementia Coverage | |||
| Stroke Rehabilitation | |||
| Financial Protection | |||
| Inflation Protection (3% compounding) | |||
| Return of Premium (death benefit) | |||
| Waiver of Premium (while on claim) | |||
Not sure which plan fits your situation?
Answer three questions. We'll show you the right tier in under two minutes.
From Families Who've Been There
Real dollar amounts.
Real families. Real relief.
We don't share vague satisfaction scores. We share what our policyholders actually paid — and what Shield covered.
“Dad's stroke cost $14,000 a month. This policy covered every dollar. We didn't have to choose between his care and Mom's retirement.”
Margaret Sullivan
Daughter, Spokane WA
“I'm an estate attorney. I've seen families destroyed by long-term care costs. Shield is the only policy I recommend to clients who've already exhausted standard windows.”
Robert Hargrove, Esq.
Estate Attorney, Denver CO
“My mother had Alzheimer's for six years. Without the cognitive rider, we would have spent $312,000 out of pocket. Shield paid $287,000 of that.”
Patricia Nguyen
Daughter, Austin TX
“Dad's stroke cost $14,000 a month. This policy covered every dollar. We didn't have to choose between his care and Mom's retirement.”
Margaret Sullivan
Daughter, Spokane WA
“I'm an estate attorney. I've seen families destroyed by long-term care costs. Shield is the only policy I recommend to clients who've already exhausted standard windows.”
Robert Hargrove, Esq.
Estate Attorney, Denver CO
“My mother had Alzheimer's for six years. Without the cognitive rider, we would have spent $312,000 out of pocket. Shield paid $287,000 of that.”
Patricia Nguyen
Daughter, Austin TX
“Inaction is the most expensive choice you can make.”
Check Eligibility in 2 MinutesHow It Works
No agent required.
No phone call required.
The entire process — from eligibility check to issued policy — happens on your schedule, at your pace.
Answer 3 Questions
Age range, state of residence, and one health question. No Social Security number. No phone number. Takes under two minutes.
Your information is encrypted and never sold.
See Your Eligible Plans
We show you exactly which plans you qualify for, with monthly premiums and benefit amounts — no vague ranges, no bait-and-switch.
Rates are locked for 30 days after eligibility confirmation.
Apply or Download the Guide
Ready to apply? Complete the full application online in 15 minutes. Not ready? Download the Plain-Language Policy Guide — written like a letter, not a contract.
Policies issued within 5 business days of approval.
No credit card. No commitment. No phone number required.
Not Ready to Apply Yet?
Download the
Plain-Language Policy Guide.
A 12-page guide written like a letter — not a contract. It explains what disability insurance is, what it isn't, and what questions to ask any provider before you sign anything.
- The 6 daily living activities that trigger benefits
- How to compare elimination periods (it matters more than premiums)
- What "guaranteed renewable" actually means in plain English
- The three questions estate attorneys ask before recommending a policy
Send me the guide
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