Whole life, Term insurance, Universal Life it can be quite confusing with so many companies and products to choose from. Let us help you decide what's best for you and your family.

-Whole Life – a permanent policy that builds cash value over time. As long as the premiums are current, the policy remains active for the entire life of the policyholder.

-Term Life – you pay a premium for a period of time, typically between 10 and 30 years. If you pass away during that time, a cash benefit is paid to your beneficiary.

-Universal Life – a type of permanent life insurance. You are covered for the duration of your life as long as you pay premiums and fulfill any other requirements of your policy to maintain coverage.

We would appreciate the opportunity to assist you with a quote. Take a moment to review options below and contact us at 843-521-4000.

(0-25) Juvenile Plan Youth Planning

  • Guaranteed Insurability - Protect insurability at a later age
  • Cash Value Accumulation - College funding, wedding resource, and pre-retirement planning
  • Creating a Savings Plan - Preparing insureds the opportunity to create a savings plan


  • Whole life
  • Accumulation Universal Life
  • Term child riders

Newly Working (25-35) Protection Planning

  • Insurability protection - plan for sudden adverse changes in health
  • Income protection - insured your greatest asset at the least expensive cost
  • Cash Value Accumulation - create a plan for post-retirement planning


  • Term Insurance
  • Permanent Life Insurance
  • Disability Insurance

High Earning Not Rich Yet (HENRY) (35-50) Maximum Planning

  • Family Protection - insure the max amount of personal income
  • LIRP Planning - prepare for supplemental retirement income
  • Initiate life insurance planning for children


  • Term Insurance
  • Permanent Life Insurance
  • Juvenile Life Insurance

Close to Retirement (50-65) Estate Planning

  • Estate Planning - begin discussions about estate planning
  • Long Term Care Planning - purchase a product for long term care protection
  • Establish plan to provide insurance to heirs


  • Annuities Permanent Life Insurance
  • Long Term Care product, Hybrid product, or life insurance with riders
  • Annuities

Retired (65+) Asset Distribution Planning

  • Asset distribution strategy - plan for the distribution of assets
  • Long Term Care Planning - confirm if there is adequate financial resources for LTC needs
  • Estate Planning - review tax codes and make sure the family is protected against a premature death


  • Annuities - use annuities for income guaranteed income payouts
  • Long Term Care and Hybrid products
  • Permanent life insurance