Experience & Vision

About2019-05-12T21:36:37+00:00

About Shell Mutual Insurance

At Shell Mutual Insurance, we pride ourselves in helping families during one of the most difficult times of their lives. Shell Mutual is an independent agency that represents dozens of programs in the burial and final expense life insurance. We have helped thousands of families find the help and security they need for end of life expenses.

At Shell Mutual, you will have a licensed agent help you without ever leaving your home. We will answer your questions, give you quotes, and ensure that we are finding the best plan for your needs. We work hard to find you the best-priced program available, while at the same time making sure that you get what you pay for.

We value your business and will work hard to make sure that your needs are met. We realize you have many choices when it comes to finding a program that is right for you and your family, and we appreciate the opportunity to earn your business.

We will not twist your arm, or pressure you. We give you the best options, as we understand that the choice is always yours. If we can help you, we will. If not, we will still treat you with respect and educate you on all of the options available.

We will not work with agents who twist the truth or misrepresent the facts. We simply have too many clients who trust us and appreciate our ethics. You can expect honesty and reliability from us, and we only work with insurance companies and agents who can provide the same standards.

Meet The Team

Any Questions?

DO I HAVE TO PAY SHELL MUTUAL TO FIND ME THE BEST PROGRAM?2019-04-04T06:18:30+00:00

No. You will never pay Shell Mutual any money. Your money will always go to the insurance company who is promising to pay your family upon death.

I HAVE LIFE INSURANCE. CAN YOU GET ME A BETTER PROGRAM/PRICE?2019-04-04T06:18:47+00:00

Maybe. We pride ourselves in being honest with you. If we can get you a better-priced program, we will! We want to save you money. But, if we can’t, we will tell you that as well. We will not put you in a worse position. There are many agents who will tell you they are getting you more insurance for a better price, but they neglect to tell you that part of it is accidental death only. We believe in treating you the way we would want to be treated. Honesty is at the heart of earning your business.

WHAT IF I FIND A CHEAPER PROGRAM?2019-04-04T06:21:10+00:00

This is a common question. You may find insurance that is cheaper… sort of. If you buy a TERM life insurance, you will pay less. BUT you have to die in the correct way, and in the correct window of time. For example, some TERM policies only cover you for 10 years. If you don’t die in that 10-year window, tough luck, you lose everything and have to start over. Other policies cover you to a certain age (75 or 80). Not only do they kick you out at age 80, but they will have raised your rates every 5 years, usually 50% each time. So, there are programs that trick people into a lower price, but very quickly raise rates, and eventually kick you out. Don’t be fooled. If it sounds too good to be true, it probably is.

CAN I ADD MORE TO MY POLICY?2019-04-04T06:21:00+00:00

The short answer is yes. The long answer is, when you go to purchase insurance, you are matched up with the best policy for your given age and health situation, at the time of purchase. We can get you a policy regardless of either of those, but if your health and age have changed from the time you originally purchased your policy, it may affect which product is best for you in terms of adding a new policy. Your original policy is locked in and will not change regardless of changes to your age or health.

DO INSURANCE COMPANIES CHARGE A DIFFERENT AMOUNT DEPENDING ON WHICH AGENT SELLS IT?2019-04-04T06:20:38+00:00

No. Insurance companies set their prices for all people who meet their criteria. A 55-year-old male will pay the same with Mutual of Omaha, regardless of which agent sells it. What makes us different and valuable, is that we shop your situation to many insurance companies, to make sure we find the program that is best for you.

WILL MY RATES EVER GO UP?2019-04-04T06:20:26+00:00

No. Never.

CAN THE INSURANCE COMPANY LOWER MY INSURANCE COVERAGE.2019-04-04T06:20:18+00:00

No. Never. Some insurance companies allow YOU to lower it, if you are wanting to lower the monthly premium, but that is up to you. If you want to leave your loved ones $35,000, and you purchase a $35,000 policy… it is locked in at $35,000.

WILL I EVER BE KICKED OUT?2019-04-04T06:20:11+00:00

No…unless you decide to cancel it. As long as you are paying the premiums, you are covered. Just like with anything in life, if you don’t pay for it, it goes away. If you miss a payment, almost all insurance companies give you at least a 30-day grace period to get the payment in. No late charges, no fees. One of the great characteristics of these policies is that they build cash value. This cash value can protect missed payments or allow you to borrow money against your policy. TERM life doesn’t have this.

I SEE COMPANIES OFFERING $9.95 PER MONTH. THAT SEEMS REALLY AFFORDABLE, WHY CAN’T I PAY THAT?2019-04-04T06:20:02+00:00

You can. Colonial Penn offers this. But you will be surprised at how little insurance you actually get. To disguise this, they play the game of saying you now own 1 unit of life insurance. Great! Wait, what is a unit? That is where they hope you won’t dig deeper. We have dozens of programs that will get you a bigger benefit for that $9.95, compared to what Colonial Penn offers. We will not hide how much insurance you are purchasing. No units…just real money!

I RECEIVED AN OFFER IN THE MAIL THAT HAS A MUCH BETTER PRICE. CAN YOU OFFER THIS?2019-04-04T06:19:52+00:00

There are many companies that send out sample price sheets (AARP, Globe, etc). You find your age, and face amount and the price looks good. The problem is, the price continues to increase. If you continue to investigate that chart, you will see that as you age, your price sharply increases. Even if you can stomach the price increases, they will reward your loyalty by kicking you out when you reach a certain age. This is not acceptable. Your family should not have to hope that you guess correctly on when you will pass away.

Ready to Talk