Individual Life Insurance

When it comes to South Carolina individual life insurance planning, there is nothing like the present. We refer to it as “fixing the roof while the sun is still shining!” Over lots of years in the insurance industry, we have seen tragedies too sad for words that could have so easily been avoided. On our home page, we stated that we believe that love is a VERB and not a NOUN. To us this means that loving someone, really loving someone, involves taking action. Because bad things happen to good people EVERY day, PLEASE, PLEASE make sure those that count on you are protected.

Whether it is first time or additional SC life insurance of which you are in need, you have definitely come to the right place. For either small and simple or large and complex needs, we have the necessary professional expertise, carriers and products to try and help you get the Charleston life insurance quotes you need.

When it comes to purchasing individual life insurance in Charleston, consumers prefer to be treated with complete honesty. After speaking with you to help determine your individual insurability profile, we literally shop the market to try and find the best life insurance quotes, at the lowest possible premium, based upon, again, your unique insurability profile. While we may not always be the bearers of good news, we will always be the bearers of the truth……….your truth!

What Type of South Carolina Life Insurance is Right for You?

There are two basic types of Charleston life insurance available on the market today, Term Life Insurance and Permanent Life Insurance. Further, within these two basic types are numerous additional variations. Which one is for you? It may depend on how long you need the coverage. If you have a temporary protection need, Term Life Insurance may be appropriate. If you expect to need life insurance for a longer duration or perhaps you are interested in cash value accumulation, then a Permanent Life Insurance option may be the better choice. We can help you determine which approach is appropriate for your circumstances and personal preferences.

How much South Carolina Life Insurance is Right for You?

Many people have trouble figuring out how much life insurance is right for them. As stated earlier, The Life Insurance Marketing Research Association has always recommended that someone with a family should have a minimum of 8 to 10 times their income in life insurance death benefit. Unfortunately, as previously stated the average working American has only 2.3 times their annual income in life insurance death benefit amount. While each situation is different, it’s important to buy enough coverage so your family is taken care of, but you shouldn’t overpay for insurance you may not need. Our professionals are experts at recommending the appropriate amount of coverage for you and your situation.

Do you really need Charleston life insurance?

No, you don’t necessarily need life insurance, but most people feel like they have a responsibility to protect the ones who depend on them…And that is exactly what life insurance does…

Insurance policy rates are based on a variety of different criteria and risk factors, some of this criteria may included:

• Age
• Current health and medical history
• Medications taken
• Family medical history
• Tobacco use (any kind of tobacco)
• Habits and hobbies
• Driving record

*Prudential Life