ShieldYour career is your most valuable
asset. Insure it in six minutes.
Term life for the 29-year-old who just co-signed a mortgage, the consultant with a second baby on the way, and the junior partner carrying student debt their family can't afford to inherit.
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Monthly premium
$18
500K coverage · age 29
Application time
6 min
No medical exam required
Avg. coverage
$1.2M
For software engineers
The honest answers
Questions you Googled at midnight
"Do I really need life insurance at 29?"
The honest answer: probably yes, and the math is uncomfortable. At 29, you're likely earning more than you ever have — and spending more than you ever have. A mortgage co-signer. A car loan. A partner who adjusted their career for yours. Life insurance isn't about your death. It's about the financial blast radius of it.
68%
of uninsured adults under 35
have at least one financial dependent
"Isn't this for older people with kids?"
That's the 1987 version of life insurance. Today, your biggest risk isn't leaving children without a parent — it's leaving a co-borrower without a co-signer. Student loans, mortgages, and business debt don't pause for grief. Your parents could inherit your private student loan balance the same week they bury you.
$37K
average private student loan balance
not dischargeable upon death in most cases
Co-signer liable upon death
Co-signer liable upon death
"How much does it actually cost?"
Less than your Spotify and Netflix combined. A healthy 29-year-old can lock in $500,000 of 20-year term coverage for around $18–$22 per month — a rate that never changes for the life of the policy. The longer you wait, the more expensive that same coverage becomes. Every year adds roughly 8–10% to your premium.
$18
per month at age 29
for $500K, 20-year term · locks in today
Monthly cost comparison
"What happens to my co-signed loans if I don't come home?"
Federal student loans are discharged at death. Private loans often aren't. Your co-signer — usually a parent — receives a bill within weeks. Your mortgage co-borrower faces foreclosure proceedings within months without your income. A $500K term policy costs less than your gym membership and eliminates every one of those scenarios permanently.
1 in 3
private loans have co-signers
who become solely liable upon borrower death
who become solely liable upon borrower death
Three steps, six minutes
See My Estimate
No medical exam. No phone calls. Lock in your rate before your next birthday adds 8% to your premium.
Tell us about yourself
No personal data is stored until you request your quote in step 3.
What young professionals say
"I co-signed my sister's student loans. Shield was the first product that actually explained why that matters for life insurance."
Priya Nair
Software Engineer, Google
"Six minutes. I've spent longer deciding what to order for lunch. The slider made it real — I could see the premium update as I moved it."
Marcus Webb
Senior Consultant, Deloitte
"My wife and I just closed on our first home. Shield was the obvious next step. I wish someone had told me about the co-borrower risk sooner."
Daniel Cho
Associate, Goldman Sachs
Free guide
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