Why Most People Have Life Insurance at Work and They May Lose It When They Retire

Today, an incentive of working at many companies – both large and small – is that of obtaining employee benefits. These benefit “packages” will typically include insurance coverage such as health, disability, and life.


How Cheap Term Life Insurance Coverage Really Is

When shopping for term life insurance coverage, oftentimes people will just assume that as they get older, these policies will become unaffordable. In some cases, this may be true. However, with term life insurance, this is not necessarily always the case. In fact, when you really shop around, you can often find that term life insurance - even at the older age brackets - can be a very inexpensive way to provide financial protection for those you love.


Why Business Owners Should Fund Their Buy Sell Agreement with Life Insurance

While life insurance fills numerous needs in personal financial planning, it can also be an ideal vehicle for business planning as well. In fact, there are many uses for life insurance in a business - and having life insurance can even play a key role in the overall financial stability of the company itself.


What is the Difference Between Permanent and Term Insurance

Having life insurance is essential in nearly any good, solid financial plan. This important tool can provide the funds that are required for a variety of different needs, such as the payoff of a mortgage, the replacement of a breadwinner's income, a child's future college education costs, and the decedent's final expenses.


Why Men Need to Have Life Insurance on Their Wives When They Have Small Children

When considering the purchase of life insurance, there are numerous reasons why people buy coverage. One of the biggest of these is to replace the income of a breadwinner should he or she pass away unexpectedly. Yet, what people oftentimes do not think about is insuring the life - and the subsequent loss - of a stay at home parent. And not doing so could be a big mistake.


The 5 Most Common Reasons People Need Life Insurance

Life insurance is an important part of any good financial planning. For those who have loved ones depending on them, the proceeds from a life insurance policy can provide the necessary funding for paying off debts, replacing ongoing income for living expenses, and paying costly estate taxes that may be due. It can also pay for final expenses, which today can oftentimes exceed $10,000.

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  • Local experienced agents to answer your questions


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Why SCLifeandHealth


Whether you’re in excellent health looking for the lowest life or health insurance rates, or have medical conditions and want to get coverage for your conditions, SCLifeandHealth.com has an answer for you.

  • You get the lowest rates because we represent almost all of the competitive Life and Health insurance companies in South Carolina.
  • You won’t get hassled because we don’t even ask for your phone number.
  • You get experienced, LOCAL help if needed because we live here, work here and play here.
  • We can see if you qualify for a subsidy on HealthCare.gov: Let us help you navigate the complicated government exchange.
  • Regardless of your health conditions, there is a GOOD chance we can get Life or Health Insurance coverage for you at a rate you can afford!

Companies we represent

Brands you Know and Trust

We’re licensed with many of the “A rated” Major Carriers that have competitive rates. We let them compete for your business to get you the lowest rates.

For Life Insurance we use ING, Prudential, American General, Principal Financial Group, Cincinnati Life, Transamerica, Genworth, Banner Life and many others.

For Health Insurance we use Blue Cross/Blue Shield, Blue Choice, Aetna, Humana, United HealthCare, Coventry, Consumers Choice, Assurant, ITC and others.

For Medicare Supplements we use Mutual of Omaha, New Era, Cigna, Humana, United HealthCare, and Aetna.

For Long Term Care we use Mutual of Omaha, John Hancock, and Genworth.

Use our rating tools to shop the complicated insurance market and get rates from companies that want your business.


At a better rate...

I had a term policy that was about to expire, and thought I was going to be paying more for a new policy. I checked out the rates on SCLifeandHealth.com and was able to get a new 20 year term policy at a better rate as I had been paying. They were very efficient at getting my policy issued.
-D. Webb

Very easy to work with...

They were very easy to work with. They never bothered me, and were patient with me asking them a bunch of questions. Chad was especially helpful.
-C. Johnson

100% satisfied... Thank you... for much better coverage!

I am 100% satisfied with the policy you were able to get for me. Thank you for getting me much better coverage than I was able to find anywhere else, even with a friend of mine. His probably was that he only represented one company and could only offer me one rate – you offered me rates from several different companies and saved me money.
-B. McDonald

Switching was easy...

Switching my life insurance over was easy – I thought it would be hard, but it really wasn’t. Thanks Danny for helping me with that.
-A. Gilstrap

Very happy...

I was glad to be able to get a Health Insurance policy that covered me without any pre-existing condition. I have had one knee replaced several years ago, and needed another one replaced now. My current company had an exclusion and wasn’t going to cover a new knee replacement. I was very happy when they were able to get me a policy that would provide immediate coverage for my new knee.
-R. Farmer

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