Family Shield Plan

Family Shield Plan — family enjoying time together outdoors
Family Life Insurance

Family Shield Plan

$149/month

When your household depends on you, they deserve more than basic coverage. The Family Shield Plan wraps your loved ones in comprehensive life protection with customizable riders, spouse coverage options, and higher benefit limits designed for growing families.

From mortgage protection to college fund security, this plan adapts as your family evolves — giving you one policy that covers the people who matter most.

Up to $1M coverage
Spouse & child riders
15–30 year terms

No payment is collected online. A representative will contact you after checkout.

Plan Benefits

Protection That Grows With Your Family

Flexible coverage built for households with multiple dependents and long-term financial goals.

Mortgage Protection

Ensure your family can keep their home if the unexpected happens — coverage sized to match your loan balance.

Child Education Fund

Protect college savings and tuition plans so your children's education stays on track.

Flexible Riders

Add spouse, child, disability waiver, and critical illness riders to tailor protection to your household.

Income Replacement

Replace multiple years of household income so your family maintains their standard of living.

Key Features

Comprehensive Family Coverage

The Family Shield Plan combines robust base coverage with optional enhancements that address the unique risks facing modern households.

  • Coverage amounts from $250,000 to $1,000,000
  • Spouse term rider with shared or separate benefit amounts
  • Child term rider covering all dependent children under one premium
  • Critical illness rider with lump-sum payout for major diagnoses
  • Return of premium option available at end of term
  • Annual policy review with your dedicated advisor
Coverage Details

What's Covered and What's Not

Clear boundaries help you understand the full scope of your family's protection.

What's Covered

  • Primary insured death benefit for any covered cause
  • Spouse rider death benefit when elected
  • Child rider coverage for dependents ages 15 days to 25
  • Critical illness lump-sum payment (with rider)
  • Total disability premium waiver (with rider)
  • Accidental death and dismemberment enhancement

What's Not Covered

  • Suicide within the first two years of coverage
  • Death resulting from undisclosed hazardous hobbies
  • Intentional self-injury or substance abuse exclusions
  • Critical illness claims outside the defined condition list
  • Child rider after age 25 unless converted
  • Fraudulent claims or falsified documentation
Questions & Answers

Family Shield Plan FAQ

Answers to the most common questions families ask when evaluating this plan.

Yes. The Family Shield Plan supports spouse and child term riders attached to your primary policy. This simplifies billing and ensures your entire household is protected under one coordinated plan with a single point of contact.

A common approach is to multiply your annual income by 10–12 and add outstanding debts, future education costs, and final expenses. Your Philadelphia Life advisor will walk you through a needs analysis tailored to your family's specific situation.

Child riders typically expire at age 25, but your children can convert to their own individual policy without a medical exam. You can also adjust your base coverage as dependents become financially independent.

The return of premium rider refunds all premiums paid if you outlive the term — essentially providing free coverage if no claim is made. It's popular with families who want protection with a savings-like component. Your advisor can compare the cost difference for your term length.
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Shield Your Family With Confidence

Request the Family Shield Plan today and let our advisors customize riders that fit your household's unique needs.

Get a Family Quote