ShelterPoint Life
ShelterPoint Life is a U.S. specialty insurance carrier founded in 1972 that provides state-mandated short-term disability and paid family leave coverage, plus voluntary benefits, to employers and employees across approximately ten states, now operating as a subsidiary of Protective Life Insurance Company.
- Company typePrivate
- Founded1972
- HeadquartersGarden City, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What ShelterPoint Life does
ShelterPoint Life is a U.S. specialty insurance carrier specializing in state-mandated statutory employee benefits. Founded in 1972 (originally as First Rehab Life Insurance Company of America) and headquartered in Garden City, NY, the company offers short-term disability (DBL), Paid Family Leave (PFL), and other state-mandated paid leave programs across approximately ten states including New York, New Jersey, Colorado, Massachusetts, Connecticut, Delaware, Maine, Maryland, Minnesota, and Oregon. Operations are run through two carrier entities: ShelterPoint Life Insurance Company (NY-domiciled) and ShelterPoint Insurance Company (FL-domiciled, licensed in all states excluding NY, CA, and MI).
The product portfolio centers on statutory disability and paid family leave coverage, supplemented by voluntary benefits including group term life, vision insurance, and Employee Assistance Programs (EAP), as well as supplemental lines such as BaseLine enhanced coverage, 24-Hour Accident, Excess Major Medical, and Medical Gap. Technology is limited to traditional web-based self-service portals for three stakeholder groups — licensed Producers (brokers), Employer policyholders, and Members (employees) — supporting quoting, policy administration, premium payment (ePay), online claim submission, and claim status tracking.
The business model is recurring insurance premium revenue, with pricing driven by state-mandated contribution rates and billed pay-as-you-go based on employee wages. Distribution is primarily through a network of licensed insurance producers and brokers, with direct online self-service for employers and members. The company was acquired by Protective Life Insurance Company, the primary U.S. subsidiary of Dai-ichi Life Holdings (TSE:8750), with the transaction closing November 1, 2024; ShelterPoint now operates as a wholly-owned subsidiary within the Protective corporate family, with leadership succession completed in 2024 (Leston Welsh as CEO) and integration into Protective's broader Employee Benefits organization announced in September 2025.
ShelterPoint Life firmographics
Firmographics- Name
- ShelterPoint Life
- Legal name
- ShelterPoint Life Insurance Company
- Website
- https://shelterpoint.com
- Company type
- Private
- Founded year
- 1972
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- ShelterPoint Life is a U.S. specialty insurance carrier founded in 1972 that provides state-mandated short-term disability and paid family leave coverage, plus voluntary benefits, to employers and employees across approximately ten states, now operating as a subsidiary of Protective Life Insurance Company.
- Ownership category
- akta.pro rank
ShelterPoint Life industry classification
Industry- Product category
- Statutory Disability and Paid Family Leave Insurance
- NAICS
- Direct Life Insurance Carriers (524113), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Life Insurance (6311), Accident & Health Insurance (6321)
- akta.pro primary industry
- Basic Group Term Life (Employer-Paid) (FSAIADAA)
- akta.pro secondary industries
- Voluntary/Worksite AD&D Insurance (Employee-Paid) (FSAIALAB), Worksite Supplemental Life Insurance (Voluntary Life) (FSAIAMAF), Group AD&D (Standalone or Bundled with Life) (FSAIADAG), Worksite Financial Wellness & Employee Assistance Programs (EAP) (FSAIAMAN)
Keywords
Where ShelterPoint Life is headquartered
LocationHeadquarters
- HQ city
- Garden City
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
ShelterPoint Life business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premium Revenue: ShelterPoint generates revenue through insurance premiums collected from employers for statutory benefit programs including DBL (Disability Benefits Law), PFL (Paid Family Leave), short-term disability, and other employee benefits such as vision, term life, and EAP services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | State-mandated statutory benefit programs with employer-funded or employee-contribution-based premium structures |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
ShelterPoint Life product offering
Product offeringCore offering
ShelterPoint Life underwrites and delivers state-mandated statutory employee benefit insurance—principally short-term disability (DBL/TDB) and paid family leave (PFL/PFML)—to employers across multiple U.S. states, supplemented by voluntary group benefits including term life, vision, and employee assistance programs (EAP). Products are distributed through licensed insurance brokers and managed via dedicated online portals for producers, employers, and members, with 24/7 online claim submission and premium payment capabilities.
Product overview
ShelterPoint Life is a statutory insurance specialist offering a comprehensive suite of employee benefits products. The core portfolio centers on state-mandated disability and paid family leave insurance (DBL/PFL), supplemented by group benefits including Term Life, Vision, and EAP services. Products are delivered through two carrier entities: ShelterPoint Life Insurance Company (NY-domiciled) and ShelterPoint Insurance Company (FL-domiciled). The company also offers enhanced coverage options including BaseLine products, 24-Hour Accident, Excess Major Medical, and Medical Gap insurance. Founded in 1972 (formerly First Rehab Life), ShelterPoint was acquired by Protective Life Insurance Company in November 2024.
Differentiator
Problem solved
Functional benefit
Products and services
- Short-Term Disability (DBL) State-mandated short-term disability insurance providing income replacement for employees unable to work due to non-work-related illness or injury. Coverage varies by state, including New York DBL, New Jersey TDB, and other state programs. Sold to employers through licensed brokers.
- Paid Family Leave (PFL) State-mandated insurance providing paid leave benefits for employees needing time off for family caregiving, bonding with a new child, or military exigency. Available in states including New York, New Jersey, Colorado (FAMLI), Massachusetts (PFML), Maryland, Connecticut, and others.
- NJ Temporary Disability (TDB) New Jersey state-mandated temporary disability insurance providing benefits for employees unable to work due to non-work-related disability.
- Term Life Insurance Group term life insurance providing financial protection to employees' beneficiaries in the event of death. Sold to employers as a voluntary benefit alongside ShelterPoint's statutory programs.
- Vision Insurance Vision care benefits providing coverage for eye exams, corrective lenses, frames, and contact lenses through a provider network. Sold to employers as a voluntary benefit.
- EAP (Employee Assistance Programs) Employee assistance program services providing confidential counseling, resources, and support for personal and work-related issues affecting employee well-being. Sold to employers as a voluntary benefit.
- BaseLine Products Baseline insurance products providing enhanced disability and benefits coverage beyond statutory minimums, offered as voluntary upgrades to employers.
- 24-Hour Accident Continuous accident coverage providing benefits regardless of whether injury occurs at work or off-duty.
- Excess Major Medical Supplemental medical coverage above primary insurance limits, providing additional financial protection for catastrophic medical expenses.
- Medical Gap Gap coverage designed to help employees pay for out-of-pocket medical expenses not covered by primary health insurance.
Companies that use ShelterPoint Life
Customer profileSegments3 records
Ideal customer profiles2 records
ShelterPoint Life technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
ShelterPoint Life partnerships and signals
Strategic signalScale indicators4 records
Recent moves7 records
Expansion highlights5 records
ShelterPoint Life competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
ShelterPoint Life social profiles
Digital presenceShelterPoint Life financial estimates
Financial estimateRevenue estimate
Valuation estimate
ShelterPoint Life leadership team
Management profileNumber of profiles
Profiles4 records
ShelterPoint Life subsidiaries and ownership
Company hierarchySubsidiaries1 record
ShelterPoint Life funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ShelterPoint Life M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ShelterPoint Life
What does ShelterPoint Life do?
ShelterPoint Life underwrites and delivers state-mandated statutory employee benefit insurance—principally short-term disability (DBL/TDB) and paid family leave (PFL/PFML)—to employers across multiple U.S. states, supplemented by voluntary group benefits including term life, vision, and employee assistance programs (EAP). Products are distributed through licensed insurance brokers and managed via dedicated online portals for producers, employers, and members, with 24/7 online claim submission and premium payment capabilities.
Is ShelterPoint Life a public or private company?
ShelterPoint Life is a private company. It is classified as corporate owned and is currently operating.
When was ShelterPoint Life founded?
ShelterPoint Life was founded in 1972. It employs 101 to 250 people.
Where is ShelterPoint Life based?
ShelterPoint Life is headquartered in Garden City, United States, in the North America region.
How does ShelterPoint Life make money?
One revenue line is on record: insurance Premium Revenue.
Does ShelterPoint Life have an API?
No public API is recorded for ShelterPoint Life.
What industry is ShelterPoint Life in?
ShelterPoint Life's product category is Statutory Disability and Paid Family Leave Insurance. Its primary akta.pro industry code is FSAIADAA, Basic Group Term Life (Employer-Paid), with a secondary code of FSAIALAB, Voluntary/Worksite AD&D Insurance (Employee-Paid). Its NAICS code is 524113 and its SIC code is 6311.