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2024

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Best Life Insurance Companies in Charleston, SC

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Charleston Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

4970Reviewed

2986Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

15 Gamecock Avenue, Charleston, SC 29407
WebsiteLicense: 1901066377

Expertise.com Rating

Review Sources

Facebook
5.0 (12)

Why choose this provider?

David M. Gilston Insurance Agency, Inc., is a full-service brokerage house situated in Charleston that provides insurance services in the area. The agency represents different insurance providers offering health, life, disability, vision, and dental options. Established in 1962, it provides support to insurance brokers and agents who help clients find life insurance that corresponds to their needs. The firm has an internal service department that assists customers with questions, claims, or billing. Most of the agency's staff members have over ten years of industry experience.

  • Life Insurance

7089 Rivers Avenue, North Charleston, SC 29406
WebsiteLicense: 1968779

Expertise.com Rating

Review Sources

Google
3.0 (46)
Yelp
5.0 (1)

Why choose this provider?

Roe & Associates is an independent company that has been serving Charleston and surrounding communities for more than 20 years. It offers term and final expense life insurance to individuals. Its team of professionals assists clients in determining the type of policy they need which depends on their financial goals and circumstances. Services are available in English and Spanish. The company also provides automobile, health, and dental insurance. It partners with various insurance carriers, including Progressive and Liberty Mutual, to provide tailored plans to clients.

  • Life Insurance
  • Health Insurance

1527 Sam Rittenberg Boulevard, Charleston, SC 29407
WebsiteLicense: 1904534225

Expertise.com Rating

Review Sources

Google
5.0 (51)
Facebook
5.0 (18)

Why choose this provider?

Established in 2005, Pilothouse Insurance is a Charleston-based independent insurance agency. It provides clients with a wide range of personal and business insurance plans, including life, health, disability, senior care, and child care insurance. Its personnel work to understand the client and their circumstances in order to match them with the insurance carrier and the coverage plan suited to their needs. Pilothouse Insurance uses some of its revenues to make monthly contributions to charitable organizations like Darkness to Light.

  • Life Insurance
  • Health Insurance

40 Calhoun Street, Charleston, SC 29401
WebsiteLicense: 8970729

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

MassMutual South Carolina is a general agency of Massachusetts Mutual Life Insurance Company serving the Charleston community. It offers individual and family life insurance to prepare clients in different circumstances, such as wealth accumulation, family and life changes, unexpected hardships, and the future. Term and permanent options are available for this product. The agency also offers executive group life insurance for businesses. Moreover, its team provides brokerage solutions, like personalized support, product portfolio, and estate and business planning.

  • Life Insurance

1724 State Road, Summerville, SC 29486
WebsiteLicense: 16915685

Expertise.com Rating

Review Sources

Google
4.0 (50)
Facebook
5.0 (17)

Why choose this provider?

Sarah Beem is a State Farm insurance agent serving the Charleston area. She provides universal life insurance, whole life insurance, and term life insurance. Her universal life insurance policies help provide for a family's loss of income, educational needs, and mortgage costs. Its policies also cover special needs, estate, and business planning. Beem's other insurance products handle health, pet, auto, business, and home insurance. Beem began working for State Farm in 2013. She eventually started her own State Farm agency in Summerville.

  • Life Insurance
  • Health Insurance

1531 Sam Rittenberg Boulevard, Charleston, SC 29407
WebsiteLicense: 1000654084

Expertise.com Rating

Review Sources

Google
5.0 (17)
Facebook
5.0 (4)

Why choose this provider?

Cliff Heath Insurance, Inc., is an independent insurance agency that has been providing its services to clients in Charleston and the surrounding areas since 1974. It aids clients in choosing the best coverage that would cater to their specific needs. It offers a variety of insurance products such as individual life, auto, home, and business. Its life insurance provides funds to help secure a family's future, and it comes in various types such as term life, universal life, and whole life.

  • Life Insurance

2000 Sam Rittenberg Boulevard, Charleston, SC 29407
WebsiteLicense: 1910601444

Expertise.com Rating

Review Sources

Google
4.9 (201)
Facebook
5.0 (13)
Yelp
5.0 (3)

Why choose this provider?

Harrell Insurance Agency is a local insurance brokerage firm that serves customers in Charleston. The company offers a wide range of personal and commercial insurance policies, including life insurance. Its insurance advisors assist clients in assessing their situation and determining whether term life or permanent life coverage can meet their financial objectives. As an independent insurance company, the agency produces policies with over 100 providers throughout the country. The family-owned business has been serving individuals and small businesses since 1963.

  • Life Insurance

108 Central Avenue, Goose Creek, SC 29445

Expertise.com Rating

Review Sources

Google
4.0 (27)
Facebook
5.0 (22)
Yelp
5.0 (1)

Why choose this provider?

Established in 2010, L.H. Griffith & Company, LLC, provides personal and commercial lines of insurance to clients in Charleston and nearby areas. Its life insurance plans include permanent and term life, as well as fixed annuities. The firm also offers policies for homeowners’, renters’, and vehicles. Business insurance, general liability, and group health coverages are also available. L.H. Griffith & Company is an independent insurance firm that works with various providers. Owner Heath Griffith has been in the insurance industry for more than two decades.

  • Life Insurance

107 West 8th North Street, Summerville, SC 29483
WebsiteLicense: 16858729

Expertise.com Rating

Why choose this provider?

Ashton Lethco is an insurance agent helping Charleston residents purchase suitable life protection plans. Representing American National, she informs customers about their life indemnity options including whole, term, universal, indexed universal, and guaranteed universal life. Lethco seeks to learn more about her clients before recommending solutions suitable for them. Her goal is to ensure that clients make informed decisions. She also offers auto, home, and business policies. Coverage for recreational and specialty products are available.

  • Life Insurance

3506 West Montague Avenue, North Charleston, SC 29418
WebsiteLicense: 1906585338

Expertise.com Rating

Review Sources

Google
5.0 (24)
Facebook
5.0 (11)

Why choose this provider?

Ai Insurance Services is a veteran-owned and veteran-operated independent insurance and financial services company that serves the residents of Charleston. It provides life and health, home, auto, and commercial insurance programs. It also offers business liability and recreational insurance policies. Insurance carriers that Ai Insurance Services is affiliated with include Universal Insurance Holdings, Safeco Insurance, and Liberty Mutual. Founding partner and CEO Graylan Wills established Ai Insurance Services in 2008. He also joined Coldwell Banker Commercial Atlantic in 2016.

  • Life Insurance

3464 Maybank Highway, Johns Island, SC 29455
WebsiteLicense: 1904371734

Expertise.com Rating

Review Sources

Google
4.0 (7)

Why choose this provider?

Established in 1978, Beach Insurance is an independently owned and operated insurance company serving Charleston and nearby communities. While the agency is a flagship carrier of Nationwide insurance products, it also provides clients with policies from multiple insurance companies. Its professional agents help manage many forms of risks, such as offering term and whole life policies, as well as annuities. Beach Insurance gets to extend its services to more clients by way of its offices located in Charlotte, Concord, Johns Island, and Myrtle Beach.

  • Life Insurance
  • Long Term Care

1407 Stuart Engals Boulevard, Mount Pleasant, SC 29464
WebsiteLicense: 1901814272

Expertise.com Rating

Review Sources

Google
5.0 (494)
Facebook
4.0 (13)
Yelp
5.0 (6)

Why choose this provider?

Mappus Insurance Agency, Inc., is a locally owned life insurance firm serving clients from Charleston. The company offers a variety of life insurance options including whole, term, and universal. Its team of agents is well-versed in handling the insurance needs of families, individuals, and local businesses. Insurance plans for flood, homes, and commercial establishments are also available. Founded by Theodore Tobias Mappus, this independent agency has been providing insurance products to the community since 1960.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
David M. Gilston Insurance Agency, Inc.
15 Gamecock Avenue, Charleston, SC 29407
Roe & Associates
7089 Rivers Avenue, North Charleston, SC 29406
Pilothouse Insurance
1527 Sam Rittenberg Boulevard, Charleston, SC 29407
MassMutual South Carolina
40 Calhoun Street, Charleston, SC 29401
Sarah Beem
1724 State Road, Summerville, SC 29486
Cliff Heath Insurance, Inc.
1531 Sam Rittenberg Boulevard, Charleston, SC 29407
Harrell Insurance Agency
2000 Sam Rittenberg Boulevard, Charleston, SC 29407
L.H. Griffith & Company, LLC
108 Central Avenue, Goose Creek, SC 29445
Ashton Lethco
107 West 8th North Street, Summerville, SC 29483
Ai Insurance Services
3506 West Montague Avenue, North Charleston, SC 29418
Beach Insurance
3464 Maybank Highway, Johns Island, SC 29455
Mappus Insurance Agency
1407 Stuart Engals Boulevard, Mount Pleasant, SC 29464

Charleston, SC Life Insurance FAQs

  • How can you find life insurance policies in Charleston?

    You can find life insurance policies in Charleston through the South Carolina Department of Insurance. The agency helps insurance carriers and consumers obtain fair and equitable services through enforcing and implementing the state's insurance laws. You can reach them by sending an email at info@doi.sc.gov or visiting the office at 1201 Main St., Suite 1000, Columbia.

  • What are the things you must do before purchasing life insurance in Charleston?

    Before purchasing life insurance in Charleston, you have to assess your insurance needs and read the policy carefully. You must also determine how much coverage you need and make sure that you can pay for the insurance premiums. In addition, you should shop from different carriers to get the best and lowest life insurance policies.

  • If your family member in Charleston recently died and you want to know whether they have life insurance, what should you do?

    You may contact the National Association of Insurance Commissioners to determine whether your deceased family member has life insurance. The agency offers free services to help individuals and families search for a deceased person's lost life insurance in Charleston. You may also access the NAIC Life Insurance Policy Locator on their website.

  • What variables may affect your life insurance premiums in Charleston?

    The amount of your life insurance premiums in Charleston depends on the amount of debt and the number of children you might have. Your marital status is another factor that may affect your premiums. For married people, insurers assess your and your spouse's future earnings potential, as well as both of your ages.

  • Does South Carolina offer additional life insurance coverage for Medical University Hospital Authority care team members in Charleston?

    South Carolina offers additional life insurance coverage for Medical University Hospital Authority care team members in Charleston, including education, daycare, felonious assault, seat belt or airbag riders for automobile accidental death, and accidental death and dismemberment benefits. Without providing medical evidence of good health, care team members can apply for term life insurance within 31 days after their hiring date.

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