Insurance Products
Our Products
Medicare
Life Insurance
Cancer & Critical Illness
Dental and Vision
Hospital Indemnity
Property and Casualty
Life Insurance
Term Life – This less-expensive option provides coverage at a fixed rate of payments for a limited period of time – the stated term. If the insured dies during that designated time, the benefit is paid to the beneficiary. After that period expires, coverage is no longer guaranteed. Term life is different from permanent life insurance, such as whole or universal, which can cover you for the rest of your life.
Whole Life – Sometimes called “straight life” or “ordinary life,” this type of policy is guaranteed to remain in force for the insured’s entire lifetime, provided required premiums are paid. The premiums are typically much higher than those of term life. Whole life insurance belongs to the cash-value category of life insurance, which also includes universal life.
Universal Life – Universal life insurance is a relatively new insurance product, intended to combine permanent insurance coverage with greater flexibility in premium payments. It also provides the possibility of greater growth of cash values.
Final Expense – This is a less-expensive, less-complicated form of insurance that is sometimes a better option for senior citizens. For instance, it generally does not require a medical exam in order to purchase coverage. This can be a great help to loved ones in covering funeral expenses and other costs associated with the end of life.
Dental
- Three affordable plans to choose from
- The largest network of dentists in South Carolina
- Extremely competitive rates with the benefits you need
- First day coverage for cleanings & exams, covered 100% in network
Hospital Indemnity
Did you realize a sudden accident or serious illness can wipe out everything you’ve worked and saved for your whole life?
Your medical insurance plan may not help with some of the inevitable costs associated with a hospital stay – or with ambulance trips, outpatient surgery or a host of other expenses. Not to mention co-pays, deductibles and other out-of-pocket costs.
Hospital Indemnity insurance policy can pay much-needed cash to you or your designee in the event that you are laid up with growing expenses, providing a fixed daily, weekly or monthly benefit.
This type of cash-benefit coverage is no substitute for major medical insurance, but it helps you tend to those unexpected costs that your regular insurance doesn’t cover.
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