Here's the info on the underwriting question about the Shield Self defense insurance from USCCA:
The Self-Defense SHIELD consists of an insurance policy owned by USCCA, Inc. that designates the members as beneficiaries. No individual underwriting is required. The USCCA, Inc. owns and pays for the policy while YOU, as a PLUS member, automatically get the benefits. This liability insurance policy is underwritten by the Savers Property and Casualty Insurance Company a subsidiary of the Meadowbrook Insurance Group. Meadowbrook Insurance Group, Inc. and its insurance company subsidiaries have been rated A- (Excellent) by A.M. Best Company. In 2010, Meadowbrook Insurance Group, Inc. wrote $801,900,000 in policies.