Insurance for working people & professionals
Protect the income your life depends on.
Changing jobs, reviewing benefits or working for yourself? We'll help you understand your current protection and explore health, disability and life insurance options.
Bring your questions about work, benefits and income.
Explore protection for your working lifeIndependent guidance for your working life
Shield began as an insurance brokerage in 2013.
When work changes
A new role can bring new insurance questions.
A job offer, a move into freelance work or a benefits packet can leave you with decisions to make. Start by looking at what you have now and what your next chapter may require.
- Changing jobs or leaving employer coverage?
- Wondering what happens if you can't work?
- Sorting out benefits on your own?
Bring the work change you're considering. We'll help you identify the insurance questions to ask.
Coverage alongside your career
Make sense of your benefits and the gaps to consider.
Benefits through work and policies you buy yourself should be considered together. We'll help you look at each part in the context of your income and responsibilities.
Health coverage as your work changes
Review your health coverage questions before a job change or a move into self-employment. We can discuss available individual coverage options and the costs, doctors and prescriptions you want to consider.
Disability insurance and your ability to earn
Ask how your existing disability protection applies if illness or injury interrupts your work. We'll help you review benefit amounts, waiting periods and policy limitations, and consider available individual options.
Life insurance beyond a benefits checklist
Look at life insurance through work alongside any personal policies. Consider the people who rely on your income, your financial commitments and questions about coverage when you leave a job.
Benefits when you're your own employer
Without an employer organizing benefits, there's more to review yourself. Ask about health, life, disability, dental, vision and supplemental options in light of your budget and existing protection.
Available options depend on your work, circumstances, location and applicable product requirements. Each policy has its own terms, exclusions and limitations.
Review my benefits (opens in a new tab)Look beyond the benefits summary
Know what your protection means for your paycheck.
If illness or injury interrupted your work, which expenses would you need to keep paying? Use that question to review your current benefits, savings and insurance, including where coverage limits or timing could affect your plans.
Before your next career move, ask what coverage would stay in place and what would need another look.
A resource for benefits decisions
Bring your benefits questions. We'll work through them with you.
A benefits booklet may tell you what's offered without making the decision clear. We'll help you understand the insurance you already have and discuss how available individual options might fit alongside it.
We're an independent agency working with multiple carriers. The options we can discuss depend on product availability, licensing and appointments.
As your role, earnings or employment situation changes, return with the questions that come next.
Prepare for your next work decision
Put your current benefits on the table.
Tell us what's changing at work.
Share your job change, self-employment plans or benefits questions. Bring information about the insurance you already have.
Look at the protection together.
We'll discuss your workplace benefits, personal policies and available options, with attention to costs and limitations.
Choose what to follow up on.
Consider whether a coverage change fits your needs and budget, and identify any details to confirm with your employer or plan.
Choose a time to talk through your benefits questions.
Questions about work and coverage.
Can we start with the benefits I have through work?
Yes. Bring your benefits summary and questions about your health, life or disability coverage. We'll help you understand what to review before considering any additional policy.
What should I ask before changing jobs?
Ask your employer or plan when current coverage ends, when new benefits begin and whether any existing coverage can continue. Bring those details to our conversation so we can discuss the options relevant to your transition.
Can you help if I'm self-employed?
We can discuss available individual health, disability and life insurance options in the context of your work and budget. You don't need an employer benefits package to start a conversation with us.
How do I know whether my disability coverage is enough?
Start with the policy documents and the expenses your income supports. Ask about benefit amounts, waiting periods, definitions and exclusions. We'll help you identify questions to clarify before deciding whether to explore additional protection.
What should I bring to the conversation?
Bring your benefits summary, information about personal policies and any questions about a career change. If you're still gathering that information, start with what you know about your current situation.
Your work. Your next decision.
Make your benefits easier to understand.
Whether you're starting a job, working independently or reviewing your benefits, let's look at how your coverage fits the income you rely on.
Start with your work situation and the questions it raises.