life insurance

Things to Consider When Buying a Life Insurance

Buying life insurance can be one of the best decisions you will ever make because it protects and ensures financial support for the loved ones you’ll leave behind. When you have passed away it will be too late to worry about your family, too late to make plans, and too late to make any additional…
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dental and vision insurance

Getting Dental and Vision Insurance: A Senior’s Guide

As we age, dental and vision care are both important areas that we may need to look into. But studies show 70% of Medicare beneficiaries who have oral problems haven’t visited a dentist for over a year and 43% of them who have trouble seeing haven’t gone to an eye specialist.  Sometimes people avoid a…
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term life insurance

Does anyone really need Life Insurance?

Life Insurance may not strike everyone as a top priority or the first item on their To-Do List.  In fact, some people see very little need for it. I’m going to let you in on a little secret.  But before I do you’ll have to promise not to share this with any of the other…
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independent insurance broker south carolina

Why Use an Independent Insurance Broker?

Buying insurance is much easier than it used to be. In the past, you would typically set an appointment with an agent from NY Life, Northwestern, Mass Mutual, or some other company to come out to your house and sit down with you and your spouse to go over options. That’s great, but after 2…
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medicare insurance south carolina

Medicare Insurance in South Carolina – All You Need To Know

Every American citizen aged 65 and older as well as many people who are under 65 with disabilities are eligible to get Medicare Insurance. Medicare is a federal health insurance program that provides health care coverage not only in South Carolina but all across the United States whether you use it as your primary health…
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What Exactly is Final Expense Life Insurance?

If you need life insurance, you’ve probably spent a least some time trying to research your options and responding to ads promising “free quotes”. When looking at all of those options you may have seen various types of life insurance:  Term Life, Whole Life, Universal Life, and Final Expense. So by now you have probably…
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How Do I “Donate My Body To Science” When I Die?

I’m sure you’ve heard the concept of “donating one’s body to science”. In fact, if you’re at a cocktail party and the topic turns to die and burials (fun party, huh?) you’ll invariably hear someone claim that they’re “going to have their body donated to science”. Chances are, they don’t really understand what that means…
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independent insurance agent

What is the Difference Between an Agent and a Broker?

An oft-asked question. Let’s break it down and then consider its significance. Technically, an agent is someone who represents an insurance company. A broker is someone who represents the client. I am an insurance broker, so as much as I’d like to tout the differences and huge benefit of going with a broker, I think in actuality the distinction between broker…
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medicare insurance

5 Things You Always Need To Check Before Getting Medicare Insurance

The first thing you need to know is that the agent is licensed! This sounds like complete common sense, but an example from last month shows you can’t always count on appearances. I was speaking with a gentleman in Texas who wanted to enroll in a specific plan with me. I did the research and…
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