Protect Your Family's
Financial Future.

Term life insurance is much more affordable than most people expect. A healthy 35-year-old can typically get $500,000 of 20-year term coverage for $25–$38 per month. A $1,000,000 policy often costs $42–$58/month. The best time to buy is when you're young and healthy — rates increase with age.

Yes — we work with multiple carriers, some of which specialize in coverage for people with diabetes, heart conditions, and other health issues. Guaranteed issue and simplified issue policies are available with no or minimal health questions. Call us and we'll identify which carriers offer the most favorable terms for your specific situation.

Term life covers you for a set period (10, 20, or 30 years) at a lower cost. When the term ends, coverage stops. Whole life covers you for your entire lifetime and builds cash value. Most families with mortgages and young children start with term — it provides the most coverage at the most affordable price during the years you need it most.

Group life insurance through your employer typically ends when you leave the job. Most group policies also cap coverage at 1–2 times your salary — rarely enough for a family with a mortgage. Every working South Carolinian should have individual coverage they own regardless of their employment status.