Single-Parent Financial Protection

One Income.
One Plan.
Total Coverage.

A financial firewall for households where one parent does the work of two — and the stakes are too high for a policy that wasn't built for you.

Avg. Single-Parent Coverage Gap
$347,000
median uninsured exposure
Median Monthly Premium
$28
for a $500K term policy
Approval Time
<10 min
no medical exam required
Scroll to see your numbers
⚡No Medical Exam Required·
🔒Rate Locked at Approval·
⏱Under 10-Minute Approval·
👶Guardian Designation Tool·
💵48-Hour Claims Payout·
📋No Hidden Underwriting Fees·
🛡Single-Parent Specific Riders·
📞Licensed in All 50 States·
⚡No Medical Exam Required·
🔒Rate Locked at Approval·
⏱Under 10-Minute Approval·
👶Guardian Designation Tool·
💵48-Hour Claims Payout·
📋No Hidden Underwriting Fees·
🛡Single-Parent Specific Riders·
📞Licensed in All 50 States·
Coverage Gap Analysis

The math that keeps you up at night —
and the math that fixes it.

Category
Without Coverage
With Shield Coverage
Protected
Mortgage
Foreclosure within 6 months
$280,000 paid in full
$280,000
Childcare
Disrupted — no replacement income
5 years fully funded
$72,000
College Fund
Depleted to cover living expenses
$60,000 preserved per child
$60,000
Monthly Bills
Immediate delinquency risk
10-year income replacement
$336,000
Emergency Fund
Exhausted in under 3 months
$25,000 liquid reserve
$25,000
Total Gap
Your family stays home. In school. Stable.
$773K
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Policy Comparison Engine

Adjust your coverage. Watch the numbers move.

Coverage Amount$500,000
$100K$500K$1M$2M
Term Life
Recommended for single parents
Best Fit
Monthly Premium$28/mo
Death Benefit$500,000
Term Length20 Years
Rate LockGuaranteed
No medical exam
Covers children through college
Portable after employer change
Whole Life
For long-term wealth transfer
Monthly Premium$187/mo
Death Benefit$500,000
Cash ValueAccumulates
Rate LockPermanent
Builds cash value over time
Lifetime coverage guaranteed
Estate planning vehicle
Market Intelligence

Where others stop. Where Shield starts.

Feature
Shield
Carrier A
Carrier B
Medical Exam Required
Same-Day Coverage Start
Rate Lock Guarantee
Single-Parent Specific Riders
Guardian Designation Tool
Approval Under 10 Minutes
No Age Penalty Under 45
Child Income Replacement Rider
Why Shield

Built for households where
there is no backup plan.

01
$1M
No exam required

No Medical Exam

Coverage up to $1,000,000 approved without a single blood draw, doctor visit, or waiting room. Your time is already spoken for.

02
0%
Rate increase at renewal

Rate Lock on Approval

The rate you see today is the rate you pay for the life of your policy. No annual repricing. No surprises at renewal.

03
9 min
Average approval time

Under 10-Minute Approval

From first question to binding coverage in the time it takes to drop the kids at school. Our underwriting engine runs in real time.

04
100%
Direct guardian payout

Guardian Designation Tool

Name a financial guardian for your children alongside your beneficiary. The payout goes to the right hands — not probate court.

05
48 hr
Claims payout window

48-Hour Claims Payout

When the worst happens, your family needs money in days — not months. Our digital claims process triggers payout in 48 business hours.

Ready to start?

Your children's names belong inside this policy.

No exam. No waiting. No guesswork. Just a rate that holds and a payout that reaches your family.

Rate Lock Engine

Lock In My Rate

Three questions. Sixty seconds. Your personalized coverage recommendation.

Step 1 of 3

Tell us about your household.

Two questions — that's all we need to start your coverage estimate.

Shield Insurance is licensed in all 50 states. Rates shown are estimates. Final rates confirmed upon application review. No medical exam for coverage up to $1,000,000 for applicants under 60.

Client Outcomes

Three families. Three reasons it matters.

D
Danielle Okafor
Single mother of two · Chicago, IL
Post-divorce refinance

"After the divorce, my mortgage was in my name alone. I needed $450,000 in coverage so my daughters could stay in the house they grew up in. Shield approved me in 8 minutes. My ex's policy took 6 weeks."

Coverage
$450,000
Monthly
$31/mo
Mortgage + 5-yr childcare funded
R
Robert Vasquez
Widowed father of three · San Antonio, TX
Employer coverage gap

"My employer gives me $60K in life insurance. That covers four months of our household costs. Shield filled the $640,000 gap my HR department never mentioned. My kids are covered through college now."

Coverage
$640,000
Monthly
$44/mo
College fund + income replacement
G
Gloria Washington
Grandparent guardian of two · Atlanta, GA
Guardian coverage

"I'm 58 and raising my grandchildren. Every other carrier quoted me $300+ a month or required a physical. Shield locked my rate at $67 a month. If I'm gone, they don't go into foster care."

Coverage
$300,000
Monthly
$67/mo
Guardian-designated payout secured
47,000+
Single-parent policies active
$2.1B
Coverage in force
98.4%
Claims paid on first submission
4.9★
Average client rating