803-961-0584
Our Coverages
When deciding on life insurance, how do you know how much is needed to protect those who depend on you?
Term Life Insurance
Protect What Matters Most
Term life insurance is a type of life insurance that provides coverage for a specific period of time, such as 10, 15, 20, or 30 years, and once that term ends, so does your policy. But if your needs change along the way, you'll have an opportunity to switch to lifelong coverage.
Whole Life
A Plan That Builds Value For When You Need It
Permanent life insurance that provides coverage for the policyholder’s entire life. It includes a cash value component that you can use for anything like helping to pay for your kids' college, upgrading your home, expanding your business, or as additional retirement income.
Index Universal Life
Protect Your Future
Universal life (UL) can be a good match if you would like to earn interest within the policy while getting more flexibility than you would get with a traditional permanent policy, also called whole life. One type of universal life policy is indexed universal life, or IUL. Unlike other universal life policies, indexed universal life, or (IUL) can credit interest, based on the performance of an independent financial index. Money in an IUL policy is not directly invested in any of the indices and doesn’t include dividends.
Annuities
Protect Your Legacy
There are many forms of annuities, and they have evolved over time into the modern contracts that we see today. The concept of an annuity dates back to the Roman Empire.
During those times, this idea of a guaranteed income stream was known as an “annua,” which is Latin for annual stipends. In exchange for making a one-time payment, Roman citizens would receive lifetime payments each year from the annua. This income stream is contractually guaranteed by the insurance company. It can last either for a set period or for the remainder of someone’s life.
