Uniquely Built For You

We want to meet your needs. Do you want to visit face to face with a real person? We will arrange that, if possible. Do you want to complete everything over the phone or by email? We will honor that as well. Each of us is different and we want to honor what works best for you.

If you need time to think about it, no problem. We will not pressure you. We want you to be completely satisfied with having all of your questions answered and needs to be addressed. The timing and the program have to be right for you.

Our commitment is to you, not an insurance company. We will make sure you understand who the insurance company is, what type of program it is, what your payments will be, and what the corresponding benefit to your family will be.

Your mailbox and TV are inundated with the latest greatest offer for final expense life insurance programs. Sadly, many of those programs hide negative characteristics. The old adage, if it sounds too good to be true, it probably is.

We will not promise you a million dollars for $25 per month. We will promise to get you the best plan available for your situation. You will get what you pay for!

The companies that advertise huge sums of money, for just a few dollars, aren’t telling the full story. Yes, you can probably get $100,000 in insurance for $20 per month. But what they don’t tell you is, you have to die by an accident, that they list in the fine print, before you reach a certain age, etc. Does someone actually get the payout on those policies? Sure. Just like someone does win the lottery. 99.99% of the people paying, receive nothing, while one person fits the criteria. These policies are huge money makers for insurance companies. They bank on people not reading the policy or understanding what they are buying.

Many of you have heard the promises advertised, $9.95 per month! What they put in the fine print, is what that $9.95 gets your family. You can pay $9.95 per month, and if you die in the first two years, your family receives $9.95 as a benefit. Even if you live past the two years, your payout is comparable to what you paid, which nets your family a few hundred dollars. We can do better…much better!

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A Plan That Fits You

  1. We tailor our insurance programs. One size does not fit all, and not all programs are created equally.
  2. We are not bound to one program or one insurance company. We shop your situation to dozens of programs in order to find the best fit for your needs.
  3. We want you to understand the policy you have and to be happy with it. If you’re not, you can get a full refund in the first 30 days of the policy.
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Client Feedback

“Shell Mutual offers a fantastic service! The instant quote is so easy to use and the customer support is the best around. They really care.”



“Ryan was so easy to work with! No hard selling, no guilt trips and no arm twisting. He listened, and got me a better policy than I had hoped for!”



“Not only did I get a great policy, but Ryan is always there when I have a question or need to make a change.”



“It is nice to have someone local who is available and can answer my questions.”



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With Shell Mutual, you have the guarantee that we work for you and provide coverage that won’t escalate in price, decline in coverage provided, or end.

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