CoreShield protection for individuals & families
Individuals and Families
Individuals and Families
Protecting a household means considering health, income, property, liability, and the people who depend on you. CoreShield helps individuals and families connect these priorities, evaluate insurance choices, and coordinate coverage with changing life stages, financial responsibilities, and longer-term plans for security and independence.
INDIVIDUALS & FAMILIES CENTER
Life changes. Your protection should keep up.
Start with what is happening in your life. Explore relevant coverage, compare the details, and create your own shortlist.
Talk with CoreShield (844) 504-COREYOUR NEXT STEP STARTS HERE
- 01Explore your optionsStart with a need or browse by coverage.
- 02Build your shortlistReview the details that matter to you.
- 03Move forwardStart a quote request or talk with us.
START WITH WHAT MATTERS
What is happening in your life?
Select any that apply to see relevant options. You can explore the full directory at any time.
EXPLORE & UNDERSTAND
Make informed choices.
Life & legacy
Term life
Explore life insurance for a defined period of family or financial responsibility.
What to consider
- Who may want to explore it
- People seeking protection during working years, a mortgage, or dependents’ needs.
- Points to review
- Term length, conversion rights, underwriting, and future renewal costs matter.
- Useful to have ready
- Coverage objectives, existing policies, financial obligations, and desired term.
Homes & property
Homeowners
Review protection for a residence, belongings, and associated personal liability.
What to consider
- Who may want to explore it
- Homeowners coordinating property values and household exposures.
- Points to review
- Replacement cost, deductibles, valuables, and flood or earthquake gaps deserve review.
- Useful to have ready
- Address, building details, property values, and existing policy.
Health & care
Individual & family health
Explore medical coverage options for yourself or your household.
What to consider
- Who may want to explore it
- People reviewing individual coverage or a change in employer coverage.
- Points to review
- Enrollment eligibility, networks, drug formularies, and out-of-pocket costs matter.
- Useful to have ready
- ZIP code, household details, current coverage, and doctors or medications to review.
Income & future
Disability insurance
Explore income protection during a qualifying illness or injury.
What to consider
- Who may want to explore it
- People who depend on earned income to meet ongoing obligations.
- Points to review
- Occupation definitions, waiting periods, duration, offsets, and exclusions need comparison.
- Useful to have ready
- Occupation, income, current benefits, monthly obligations, and desired benefit period.
Vehicles & travel
Auto insurance
Review personal vehicle liability and optional physical damage coverages.
What to consider
- Who may want to explore it
- Households that own or drive personal vehicles.
- Points to review
- Limits, drivers, vehicle use, deductibles, and exclusions require review.
- Useful to have ready
- Driver and vehicle details, use, current limits, and driving history.
Liability & security
Personal umbrella
Explore additional liability protection above specified underlying coverage.
What to consider
- Who may want to explore it
- Households assessing the impact of a significant personal liability claim.
- Points to review
- Underlying policy requirements, exclusions, and household exposures need coordination.
- Useful to have ready
- Home and auto policies, limits, drivers, properties, and activities.
Life & legacy
Whole & permanent life
Consider long-duration life coverage and the structure of any policy cash value.
What to consider
- Who may want to explore it
- People evaluating life coverage beyond a temporary period.
- Points to review
- Premium commitments, guarantees, surrender terms, and illustrations need careful review.
- Useful to have ready
- Long-term objectives, budget, existing policies, and beneficiary plans.
Life & legacy
Universal life
Explore permanent life structures with policy-specific premium and benefit features.
What to consider
- Who may want to explore it
- People reviewing flexible or specialized long-term life insurance objectives.
- Points to review
- Charges, funding assumptions, guarantees, and lapse risk require ongoing attention.
- Useful to have ready
- Objectives, funding capacity, existing policies, and an in-force illustration if available.
Life & legacy
Final expense
Review life insurance designed around end-of-life and other final expenses.
What to consider
- Who may want to explore it
- People seeking a defined death benefit for beneficiaries’ financial needs.
- Points to review
- Waiting periods, underwriting, premiums, and total cost vary by policy.
- Useful to have ready
- Desired benefit, existing coverage, budget, and beneficiary information.
Life & legacy
Survivorship life
Explore life insurance covering two people, generally paying after the second death.
What to consider
- Who may want to explore it
- Households discussing estate liquidity or a coordinated legacy plan.
- Points to review
- This structure generally does not pay at the first death; legal and tax coordination matters.
- Useful to have ready
- Estate objectives, ownership plans, existing coverage, and adviser input.
Health & care
Dental & vision
Explore benefits for dental care, eye exams, and eligible eyewear.
What to consider
- Who may want to explore it
- Individuals and families reviewing routine care needs.
- Points to review
- Waiting periods, networks, annual maximums, and allowances vary.
- Useful to have ready
- Preferred providers, household members, and anticipated care needs.
Health & care
Medicare options
Review Medicare-related coverage choices and how they fit your circumstances.
What to consider
- Who may want to explore it
- People approaching Medicare eligibility or reviewing existing coverage.
- Points to review
- Eligibility, enrollment periods, providers, prescriptions, and coordination with other coverage matter.
- Useful to have ready
- Current coverage, medications, providers, location, and enrollment timing.
Health & care
Long-term care
Consider how insurance may help fund qualifying extended care needs.
What to consider
- Who may want to explore it
- People planning for care costs and potential demands on family members.
- Points to review
- Benefit triggers, waiting periods, inflation features, limits, and underwriting vary.
- Useful to have ready
- Care preferences, resources, existing coverage, and long-term objectives.
Income & future
Annuities
Explore insurance contracts that may support retirement income objectives.
What to consider
- Who may want to explore it
- People evaluating income timing, guarantees, and access to retirement assets.
- Points to review
- Fees, surrender terms, liquidity, insurer strength, and tax treatment require review.
- Useful to have ready
- Income objectives, time horizon, liquidity needs, and existing retirement arrangements.
Travel & lifestyle
Travel medical
Review eligible medical protection while traveling outside your usual coverage area.
What to consider
- Who may want to explore it
- Travelers considering medical expenses, assistance, or evacuation benefits.
- Points to review
- Destinations, trip duration, pre-existing conditions, and exclusions vary.
- Useful to have ready
- Travel dates, destinations, travelers, and existing health coverage.
Home & possessions
Jewelry & valuables
Explore protection for jewelry and other eligible valuable articles.
What to consider
- Who may want to explore it
- People whose valuable items merit a separate coverage and valuation review.
- Points to review
- Scheduling, appraisals, loss settlement, and territorial limits matter.
- Useful to have ready
- Item descriptions, values, appraisals, and storage arrangements.
Digital & liability
Personal cyber
Consider certain personal cyber incidents, online fraud, and related response benefits.
What to consider
- Who may want to explore it
- Households reviewing digital security and financial fraud exposures.
- Points to review
- Covered events, sublimits, security conditions, and exclusions differ.
- Useful to have ready
- Household digital activities, existing protections, and prior incidents.
Travel & lifestyle
Boat & watercraft
Explore liability and physical damage coverage for eligible watercraft.
What to consider
- Who may want to explore it
- Boat owners reviewing use, navigation, and storage exposures.
- Points to review
- Navigation limits, storm provisions, equipment, and operator requirements vary.
- Useful to have ready
- Vessel details, value, operators, storage, and cruising area.
Travel & lifestyle
Recreational vehicle
Review protection for eligible recreational vehicles and how you use them.
What to consider
- Who may want to explore it
- People who travel or spend extended time in an RV.
- Points to review
- Full-time use, contents, liability, and towing arrangements need attention.
- Useful to have ready
- Vehicle details, use, storage, drivers, and travel patterns.
Homes & property
Renters
Explore coverage for belongings, certain living expenses, and personal liability.
What to consider
- Who may want to explore it
- People renting a home or apartment.
- Points to review
- A landlord’s property policy generally does not cover a tenant’s belongings.
- Useful to have ready
- Rental address, belongings estimate, household details, and lease requirements.
Homes & property
Condo
Coordinate unit-owner coverage with the association’s master policy.
What to consider
- Who may want to explore it
- Condominium owners reviewing interior property and liability responsibilities.
- Points to review
- Association documents, loss assessment, deductibles, and unit improvements matter.
- Useful to have ready
- Master policy, association documents, unit details, and belongings value.
Homes & property
Flood
Review protection for eligible flood losses to property and belongings.
What to consider
- Who may want to explore it
- Property owners and renters evaluating flood exposure.
- Points to review
- Covered property, waiting periods, limits, and basement treatment vary.
- Useful to have ready
- Property address, elevation information if available, values, and current coverage.
Family & lifestyle
Pet insurance
Review eligible veterinary expense coverage for a pet.
What to consider
- Who may want to explore it
- Pet owners considering accident and illness costs.
- Points to review
- Pre-existing conditions, waiting periods, reimbursements, and limits vary.
- Useful to have ready
- Pet age, breed, health history, and coverage objectives.
Liability & security
Identity theft protection
Explore identity recovery assistance and eligible expense reimbursement.
What to consider
- Who may want to explore it
- Households reviewing the consequences of identity misuse.
- Points to review
- Monitoring, assistance, stolen-funds protection, and reimbursement are distinct benefits.
- Useful to have ready
- Existing protections, household needs, and prior incidents.
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BEYOND THE POLICY
Explore your next conversation
Explore a service or resource to learn more and start a conversation.
Life Insurance
Compare life insurance structures through a broader planning discussion.
Health Insurance
Explore individual medical coverage and related health protections.
Property Insurance
Bring your residential property exposures into one view.
Vehicles
Coordinate coverage around how your household travels.
Liability
Review liability protection across your assets and activities.
