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2024

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Best Life Insurance Companies in North Charleston, SC

Our Recommended Top 15

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 North 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.

4811Reviewed

2892Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

9229 University Boulevard, North Charleston, SC 29406

Expertise.com Rating

Review Sources

Google
4.9 (127)
Facebook
4.7 (15)

Why choose this provider?

Ferguson Insurance Team is an independent insurance agency catering to its clients in North Charleston and the surrounding areas. The company offers several insurance plans to individual clients and their families, such as life, auto, home, renters, health, and pet insurance. It also helps businesses protect their assets and properties with its wide range of insurance plans, from business liability to commercial property insurance. It represents several insurance carriers, such as Progressive, NFS Edge, Southern Fidelity Insurance, Johnson & Johnson, and Hagerty.

  • Life Insurance

1104 Savannah Highway, Charleston, SC 29407
WebsiteLicense: 6420466

Expertise.com Rating

Review Sources

Google
4.0 (20)
Yelp
3.0 (2)
Facebook
5.0 (1)

Why choose this provider?

Charlie McQueeney is a life insurance agent serving clients in North Charleston and the surrounding communities. He helps clients manage their everyday life risks and recover from the unexpected. McQueeney offers a wide range of products, such as life, home, health, auto, and business insurance. In addition, personal articles, annuities, and banking services are being offered. He is also an Ambassadors for Life Qualifier and a Golden Triangle Qualifier. Additionally, McQueeney supports local organizations, including the Colleton County Historical & Preservation Society.

  • Life Insurance
  • Health Insurance

905 North Main Street, Summerville, SC 29483
WebsiteLicense: 6431690

Expertise.com Rating

Review Sources

Google
4.0 (100)
Yelp
2.0 (3)

Why choose this provider?

Charles Chitwood is a State Farm life insurance agent serving the North Charleston area. He has been serving the community since 1975, providing a wide range of products, including life, health, home, auto, and business insurance. Chitwood strives to comply with the guidelines of the SC and Wind and Hail Association. He is also a Chairman's Circle Qualifier and is an active volunteer of the Neighborhood of Good program. Furthermore, Chitwood is a member of the Summerville Chamber of Commerce and the Summerville Dream.

  • Life Insurance
  • Health Insurance

100 Omalley Drive, Summerville, SC 29483
WebsiteLicense: 7236564

Expertise.com Rating

Review Sources

Google
5.0 (42)
Facebook
4.0 (13)

Why choose this provider?

Jennifer Hoppe is a State Farm insurance agent delivering insurance and financial solutions to customers in North Charleston. She provides an array of policy options such as life insurance, health insurance, and business insurance. Also available are coverages for homes, condos, vehicles, and properties. Jennifer Hoppe is the head of a team of licensed insurance producers. With over seven years of experience in the industry, she strives to educate communities about the importance of insurance.

  • Life Insurance
  • Health Insurance

3955 Faber Place Drive, North Charleston, SC 29405
WebsiteLicense: 1913455034

Expertise.com Rating

Review Sources

Google
5.0 (719)
Facebook
4.0 (143)
Yelp
5.0 (2)

Why choose this provider?

Senior Savings Network is an insurance agency established by Christopher Westfall, who has been committed to helping seniors since 2008. Christopher is an independent agent catering to clients in North Charleston and the surrounding areas. His agency offers Medicare insurance plans, such as Medicare Advantage that has coverage for out-of-pocket costs. In addition, it also carries Part D, which covers prescriptive drugs. Christopher also educates people about different insurance policies through YouTube videos.

  • Health Insurance

113 College Park Road, Ladson, SC 29456
WebsiteLicense: 1906183844

Expertise.com Rating

Review Sources

Facebook
5.0 (108)
Google
4.0 (5)

Why choose this provider?

Established by a group of Hispanic entrepreneurs, Fuerza Latina Insurance is a company serving customers throughout North Charleston. It partners with insurance companies such as Progressive, Unique Insurance Company, and Infinity Auto Insurance to provide its customers life insurance policies that fit their needs. Its products also include homeowners', general liability, and workers' compensation insurance. Additionally, the agency offers accounting, tax preparation, and payroll services. Fuerza Latina Insurance carries more than 18 years of experience and has offices in Atlanta and Marietta.

  • Life Insurance
  • Health Insurance

2138 Ashley Phosphate Road, North Charleston, SC 29406
WebsiteLicense: 6429013

Expertise.com Rating

Review Sources

Google
4.0 (36)

Why choose this provider?

Shannon Freeman is a State Farm insurance agent serving North Charleston. After his brief career on claims, he now offers term, whole, and universal life insurance coverage options to individuals who want to secure their future. The policies are also available for small businesses which can contribute to business continuation, key employees, employee benefits, and key employee incentives. With more than 60 years of combined experience, Freeman and his team also specialize in providing auto, health, and pet insurance. Services are available in English and Spanish.

  • Life Insurance

6650 Rivers Avenue, North Charleston, SC 29406

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

The Barrett Broughton Insurance Group is a full-service life insurance company that serves clients in North Charleston. The firm provides several types of life insurance across universal, whole life, and term life options to protect against unexpected events. Insurance plans for homes and vehicles are also available. Its team of insurance agents is well-versed in handling the needs of individuals and businesses. The company is dedicated to building long-lasting relationships with clients.

  • Life Insurance

1638 Ashley Hall Road, Charleston, SC 29407
WebsiteLicense: 17540656

Expertise.com Rating

Review Sources

Google
5.0 (18)
Facebook
5.0 (3)

Why choose this provider?

Brooke Allen is an insurance agent offering her services to the residents of North Charleston and its surrounding areas. She offers life insurance along with health insurance for individuals and families. Other services that she offers include home, business, auto, property, and pet insurance. Brooke is a State Farm insurance agent. She started her career as a State Farm team member in one of the agent's offices. She is now the head of the Brooke Allen Agency which she established in 2019.

  • Life Insurance

1455 Remount Road, North Charleston, SC 29406
WebsiteLicense: 1910282289

Expertise.com Rating

Review Sources

Google
4.0 (11)

Why choose this provider?

Freedom Tax & Insurance is a North Charleston-based insurance firm that serves clients in the local metro and surrounding areas. It helps clients obtain a life insurance policy that covers their family members in the event of death. Term life insurance and permanent life insurance are two of its life insurance products. It can be used to pay for tuition, a mortgage, and any other outstanding bills. The company also provides tax services and various types of insurance to protect its clients' valuable assets.

  • Life Insurance
  • Health Insurance

100 South Main Street, Summerville, SC 29483
WebsiteLicense: 39090

Expertise.com Rating

Why choose this provider?

Weatherford Financial Group in Summerville is an insurance agency that offers financial advisory and insurance services to clients in the North Charleston metro. The company was founded and is currently headed by Larry Weatherford, a FINRA/SIPC-licensed insurance agent specializing in personal and business insurance lines. His company offers life insurance policies such as term and permanent life insurance that help clients secure financial protection in the event of losses and death. Weatherford Financial Group also offers long-term care insurance and retirement insurance plans.

  • Life Insurance

8096 Rivers Avenue, North Charleston, SC 29406
WebsiteLicense: 17232193

Expertise.com Rating

Review Sources

Google
4.0 (51)
Facebook
5.0 (18)

Why choose this provider?

Adam Cantrell is an independent life insurance agent serving clients in North Charleston and the surrounding areas. He started his career in the industry in 2014, providing clients with a wide range of products, including life, health, business, auto, and home insurance. Cantrell offers annuities and banking as well. Additionally, he is a qualifier for various industry awards, including Ambassador Club and Legion of Honor. Cantrell is a proud supporter of the Charleston Animal Society and Habitat for Humanity.

  • Life Insurance
  • Health Insurance

451 Folly Road, Charleston, SC 29412

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Flaherty Insurance Group is a full-service insurance agency serving individuals, families, and businesses in North Charleston and surrounding areas. With extensive experience working with several insurance companies, the agency provides a wide array of life insurance options such as term life insurance, whole life insurance, and final expense planning. Some policies of the term life can be converted into either whole life or universal life insurance. Furthermore, Medicare programs and retirement planning options are also available.

  • Term Life Insurance
  • Life Insurance
  • Whole Life Insurance

3255 Landmark Drive, North Charleston, SC 29418
WebsiteLicense: 6907398

Expertise.com Rating

Review Sources

Google
5.0 (98)

Why choose this provider?

Help2Cover is a life insurance agency that serves the North Charleston area. It helps customers find the right coverage that ensures their needs are continually met. For policyholders who have undergone major life changes, such as marriage, the birth of a child, or retirement, tuning up of policies is available. Its agents can also advise clients on the pros and cons of their current policies and supply them with a comparative analysis of other policies that carry better value.

  • Life Insurance
  • Health Insurance

8550 Dorchester Road, North Charleston, SC 29420
WebsiteLicense: 3000772773

Expertise.com Rating

Review Sources

Google
5.0 (22)

Why choose this provider?

Cornerstone Insurance Services Wealth Advisory is a life insurance company that serves clients from North Charleston. The firm provides a wide range of life insurance options such as term, whole, and universal. Clients can utilize the tools on the company's website that estimate family expenses and a person's life insurance needs. Aside from life insurance, the business also offers plans for health, homes, and businesses. The company consists of a division that specializes in guiding entertainers and sports professionals with wealth management.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Ferguson Insurance Team
9229 University Boulevard, North Charleston, SC 29406
Charlie McQueeney
1104 Savannah Highway, Charleston, SC 29407
Charles Chitwood
905 North Main Street, Summerville, SC 29483
Jennifer Hoppe
100 Omalley Drive, Summerville, SC 29483
Senior Savings Network
3955 Faber Place Drive, North Charleston, SC 29405
Fuerza Latina Insurance
113 College Park Road, Ladson, SC 29456
Shannon Freeman
2138 Ashley Phosphate Road, North Charleston, SC 29406
The Barrett Broughton Insurance Group
6650 Rivers Avenue, North Charleston, SC 29406
Brooke Allen
1638 Ashley Hall Road, Charleston, SC 29407
Freedom Tax & Insurance
1455 Remount Road, North Charleston, SC 29406
Weatherford Financial Group
100 South Main Street, Summerville, SC 29483
Adam Cantrell
8096 Rivers Avenue, North Charleston, SC 29406
Flaherty Insurance Group
451 Folly Road, Charleston, SC 29412
Help2Cover
3255 Landmark Drive, North Charleston, SC 29418
Cornerstone Insurance Services Wealth Advisory
8550 Dorchester Road, North Charleston, SC 29420

FAQs

  • Where can North Charleston residents address concerns with insurance entities?

    Residents of North Charleston who have problems with insurance companies, agents, brokers, or adjusters can file a complaint with the South Carolina Department of Insurance's Office of Consumer Services. The SCDOI provides advice on life insurance and other types of insurance. Individuals can call 803-737-6180, send an email, or visit the SCDOI website to express their concerns or seek answers.

  • How do no physical exam and guaranteed issue life insurance policies work in North Charleston?

    Life insurance policies in North Charleston that advertise no physical exam may cost more, but they usually require answering some basic health questions. Advertisements that say you cannot be turned down refer to guaranteed issue policies that do not require health screenings. These are frequently accompanied by higher premiums or capped coverage amounts in order to compensate the insurer for the increased risk. In some cases, the premiums paid over time may approach the potential death benefit.

  • How does North Charleston ensure life insurance payouts if an insurer faces financial challenges?

    In North Charleston, the South Carolina Life and Accident and Health Insurance Guaranty Association guarantees death claim payments of up to $300,000 per individual if an insurance company declares bankruptcy or becomes insolvent. This limit applies regardless of the number or value of policies held. However, for added security, select an insurer with a solid financial rating and a proven track record.

  • What are the considerations for North Charleston residents regarding employer-sponsored versus individual life insurance?

    For North Charleston residents, employer-provided life insurance is a valuable perk, but it terminates when they leave their jobs and may offer limited coverage options. Individual life insurance, on the other hand, remains in effect as long as premiums are paid, providing greater stability. Residents should consult a local insurance agent in order to gain a comprehensive understanding of their individual life insurance options.

  • How do guaranteed issue life insurance differ from no physical life insurance in North Charleston?

    In North Charleston, guaranteed issue life insurance is for people who are 50 to 85 years old and have serious health problems, like a history of cancer or a long-term illness, that make it hard to get regular coverage. These plans do not ask about your health and often have a graduated death benefit. They may have a cash value, but you should not count on it.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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