How to Apply for LifeShield Medicare Supplement
By Anthony Orner, Independent Licensed Medicare Insurance Broker · NPN 20586791 · Filed rates pulled September 9, 2026 to November 5, 2026 · Source: CSG Actuarial
LifeShield Medicare Supplement takes no applications on its own website. A licensed agent contracted with LifeShield submits it. We're an independent, licensed agency contracted with LifeShield. We're not LifeShield, but we can help you apply in 20 states.
Its Plan G runs $125.11 to $243.14 a month for a 65-year-old woman across the 23 states on our rate boards, and ranks in the top three in 13 of them.
The carrier pays the broker. Your premium is the state-filed rate either way.
What the Form on LifeShield's Website Does
LifeShield's site ends in a short form (checked November 4, 2026). Name, contact details, and a box to tick for Medicare Supplement. Ticking it authorizes “a representative of LifeShield National Insurance Co.” to make contact by email or phone.
That is a contact request. It doesn't price a plan for a ZIP, and nothing in it is an application. LifeShield sells its Medicare Supplement through licensed agents contracted with the company, and the agent files the application.
Medicare.gov stops short too. Its Medigap tool lists LifeShield beside a price range and a phone number, and it can't enroll anyone in a Medigap policy. Medigap is bought from the insurance company. For LifeShield, that means through an agent.
Where LifeShield's Plan G Lands, State by State
Plan G at 65 in each state's flagship county, cheapest rank first. Rank counts every company filing Plan G on that board. The last column says whether we can take your application there.
| State (county) | Plan G @ 65 | Rank | Cheapest on the board | Latest filing | We can help you apply |
|---|---|---|---|---|---|
| Tennessee (Davidson County) | $145.19 | Cheapest of 28 | LifeShield | +12.0% · July 2026 | Yes |
| Wyoming (Laramie County) | $152.49 | 2 of 18 | $137.76 · MedMutual Protect | +15.0% · June 2026 | Yes |
| Arizona (Maricopa County) | $155.72 | 2 of 29 | $146.51 · Bankers Fidelity (Atlantic Capital Life) | +20.0% · June 2026 | Yes |
| Colorado (Denver County) | $159.70 | 2 of 24 | $127.65 · Bankers Fidelity (Atlantic Capital Life) | +12.0% · July 2026 | Yes |
| Kansas (Johnson County) | $160.87 | 2 of 25 | $142.96 · Bankers Fidelity (Atlantic Capital Life) | +9.0% · June 2026 | Yes |
| South Carolina (Greenville County) | $125.11 | 3 of 25 | $114.30 · Bankers Fidelity Assurance | +9.0% · July 2026 | Yes |
| Indiana (Marion County) | $138.86 | 3 of 27 | $118.22 · Bankers Fidelity (Atlantic Capital Life) | +9.0% · October 2025 | Yes |
| Virginia (Fairfax County) | $139.67 | 3 of 21 | $109.75 · Bankers Fidelity Assurance | +16.0% · January 2026 | Yes |
| Iowa (Polk County) | $140.64 | 3 of 27 | $134.20 · HealthSpring National Health (HCSC) | +20.0% · June 2026 | Not licensed yet |
| West Virginia (Kanawha County) | $147.85 | 3 of 25 | $125.32 · GPM Health and Life | +15.0% · June 2026 | Yes |
| Alabama (Jefferson County) | $150.14 | 3 of 22 | $124.06 · Bankers Fidelity (Atlantic Capital Life) | +9.0% · July 2026 | Yes |
| Oklahoma (Oklahoma County) | $154.37 | 3 of 26 | $134.12 · GPM Health and Life | +20.0% · September 2026 | Not by us |
| New Jersey (Camden County) | $180.01 | 3 of 19 | $150.53 · Bankers Fidelity Assurance | +9.0% · July 2026 | Yes |
| Mississippi (Hinds County) | $138.66 | 5 of 23 | $115.11 · Bankers Fidelity (Atlantic Capital Life) | +19.4% · September 2026 | Yes |
| Ohio (Cuyahoga County) | $152.29 | 5 of 34 | $118.17 · AARP / UnitedHealthcare | +9.0% · July 2026 | Yes |
| Delaware (New Castle County) | $165.82 | 5 of 20 | $155.07 · Nassau Life Insurance Company | +9.0% · September 2026 | Yes |
| Arkansas (Pulaski County) | $192.99 | 5 of 23 | $164.70 · Bankers Fidelity (Atlantic Capital Life) | +9.0% · June 2026 | Yes |
| North Carolina (Mecklenburg County) | $148.31 | 6 of 30 | $114.97 · Bankers Fidelity (Atlantic Capital Life) | +20.0% · July 2026 | Yes |
| Nebraska (Douglas County) | $171.18 | 6 of 24 | $136.63 · Old Surety Life | +23.2% · July 2026 | Not licensed yet |
| Georgia (Fulton County) | $190.59 | 7 of 21 | $144.62 · Bankers Fidelity (Atlantic Capital Life) | +15.0% · September 2026 | Yes |
| Texas (Harris County) | $177.35 | 8 of 26 | $142.78 · Bankers Fidelity (Atlantic Capital Life) | +17.3% · July 2026 | Yes |
| Florida (Hillsborough County) | $243.14 | 10 of 23 | $200.58 · GPM Health and Life | +12.0% · July 2026 | Yes |
| Pennsylvania (Philadelphia County) | $207.13 | 15 of 27 | $168.59 · Nassau Life Insurance Company | +20.0% · September 2026 | Yes |
CSG Actuarial licensed filings, pulled September 9, 2026 to November 5, 2026. Female, 65, non-tobacco, individual rate, no household discount, one sample ZIP in each flagship county. Your own quote moves with ZIP, age, sex and tobacco use.
Cheapest or close to it
Tennessee, Wyoming, Arizona, Colorado, Kansas, South Carolina, Indiana, Virginia, Iowa, West Virginia, Alabama, Oklahoma and New Jersey. No company filed a lower Plan G in Tennessee. Elsewhere in this group LifeShield runs $6.44 to $32.05 a month over the cheapest filing.
Mid-table
Mississippi, Ohio, Delaware, Arkansas, North Carolina, Nebraska, Georgia, Texas and Florida. Under the state median in 7 of them, but not near the front. Worth a side-by-side before you apply.
Compare before you apply
Pennsylvania: 15 of 27 at $207.13, $38.54 over the cheapest. Plan G benefits are federal, so a cheaper Plan G pays the same claims. Call and we'll price the field.
Often Second to Bankers Fidelity
In 8 of the 12 states where LifeShield is second or third, the cheapest Plan G on the board is Bankers Fidelity or its sister insurer, Atlantic Capital Life. The gap at 65 runs $9.21 to $32.05 a month on our boards.
Neither company takes applications on its own website, and one call prices both. How the Bankers Fidelity application works.
Before You Apply: What Moves the Premium Later
LifeShield prices on attained age in 19 of its 23 states, so the premium steps up with each birthday. Arizona, Florida and Georgia are issue-age: the price follows the age you buy at, and only rate filings move it. Arkansas is community-rated, one price at every age.
Filings move every policy in a state at once. LifeShield has a 2026 filing in 22 states, from +9.0% in 7 states to +23.2% in Nebraska.
The full filing record by state is in our LifeShield National review.
Finding a LifeShield Agent
Where we can take your application
Alabama, Arizona, Arkansas, Colorado, Delaware, Florida, Georgia, Indiana, Kansas, Mississippi, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia and Wyoming.
Distance doesn't matter. Any agent contracted with LifeShield and licensed in the applicant's state can file it. Our office is in Cherry Hill, NJ.
Where we can't
LifeShield files in Iowa and Nebraska, where we're not licensed yet. Oklahoma is out by choice: we leave some birthday- and anniversary-rule states alone.
Anywhere else, call. We'll say plainly whether we can place it rather than take an application we can't submit.
How the Application Goes
- 1
Price first. A ZIP and a date of birth price Plan G and Plan N before anything is signed. LifeShield not in the online list for that ZIP yet? Call and we price it by phone. Where it isn't the better buy, we say so.
- 2
Timing sets the questions. In the six months that start with Part B at 65 or older, LifeShield must accept the application and can't charge more for health conditions. Later, expect health questions unless a guaranteed-issue right applies.
- 3
Have three things ready. The Medicare number, the Part A and Part B start dates from the card, and the bank account for the premium draft.
- 4
Sign, then keep 30 days. Once the policy is issued, a 30-day free look lets you cancel for a full refund.
LifeShield Application Questions
Data sources & methodology. Every rate, rank and filing on this page is read at build time from CSG Actuarial licensed state files pulled September 9, 2026 to November 5, 2026. LifeShield is matched by NAIC 99724 in each file. Premiums are for a female, age 65, non-tobacco applicant, individual rate as filed, at one sample ZIP in each state's flagship county. Rank counts every carrier quoting that plan letter on the same board. AM Best rating as CSG reports it.
Disclosure. This page is published by MedicareYourself, a brand of EasyKind Medicare, a licensed independent Medicare insurance broker. We are contracted with LifeShield National Insurance Co. but are not LifeShield and do not speak for it. We do not offer every plan available in your area. We can help you apply for LifeShield in Alabama, Arizona, Arkansas, Colorado, Delaware, Florida, Georgia, Indiana, Kansas, Mississippi, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia and Wyoming. Any information we provide is limited to the plans we offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, to get information on all of your options.
Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700. Medicare has neither reviewed nor endorsed this information. 2026 Medicare figures: Part B premium $202.90/month, Part B deductible $283, Part A deductible $1,736.