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Best Life Insurance Companies in South Carolina

2024

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Providers

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Website
South Carolina
  • Health Insurance
  • Life Insurance

Why choose this provider?

First Charter Company, Inc., provides South Carolina-based individuals, families, and business owners with a variety of insurance policy choices. Its life insurance plans offer financial security and income replacement, along with specifications involving business directives, for designated dependents in the wake of an individual's passing. Each plan also has supplemental options that cover the payment of outstanding estate taxes and the funding of educational endeavors for a decedent's children. The firm represents more than 30 insurance carriers, including Dairyland and the Colonial Group.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
3.9 / 5 (21)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
South Carolina
  • Health Insurance
  • Life Insurance

Why choose this provider?

Adams Eaddy & Associates is an independent agency located in South Carolina. It offers various risk management solutions for both individuals and businesses. These include life, long-term care, disability, and health insurance plans. The company represents multiple carriers, allowing its team to review and compare coverage options to find ones that will suit clients' needs. It started out as a three-person firm in 1980 and has grown to an agency with more than 25 staff members.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (36)
Google
4.5 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
South Carolina
  • Life Insurance

Why choose this provider?

BEVCO Insurance offers term and permanent life insurance policies to individuals and families in South Carolina. Policyholders can add add riders to their plans, such as accidental and accelerated death benefits. The firm's agents provide clients with the knowledge they need to make informed decisions about life insurance. They also offer auto, home, toy, and business insurance plans. The owner of the independent insurance agency, Beverly Clark Scott, has more than 32 years of insurance experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (200)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
South Carolina
  • Life Insurance

Why choose this provider?

South Carolina Insurance Brokers serves individuals, families, and businesses in its local community. The company assists clients in finding the right life insurance coverage that meets their personal and financial needs. Its independent insurance brokers, who have over 100 years of combined insurance experience, represent multiple carriers offering term, whole, and universal life insurance. The team also provides auto, home, condo, boat, renters', and commercial insurance. The company has been offering financial protection for individuals and families since 2008.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (66)
Facebook
3.3 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
South Carolina
  • Health Insurance
  • Life Insurance

Why choose this provider?

Clyburn & Sellers Insurance Agency caters to clients in South Carolina. It offers term life insurance policies for individuals who wish to protect their loved ones for a specific period. It also provides universal and permanent life insurance that covers clients for a lifetime. The agency is available for homeowners wishing to secure their expenses to protect their home structure, personal possession, and living expenses after a disaster. It also allows clients to include umbrella, flood, and valuable article insurance for their life policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (8)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
South Carolina
  • Term Life Insurance
  • Whole Life Insurance

Why choose this provider?

Michael Taylor Agency assists South Carolina individuals in ensuring the financial protection of their families in the event of their demise. It designs life insurance policies to meet needs such as the replacement of lost income, covering children's college education costs, and payment of funeral expenses. Its team of insurance advisors shops for life insurance products from carriers like Nationwide, Progressive, QBE, Safeco, and Stillwater. The team provides umbrella policies to cover gaps between different policies. Additionally, it serves North Carolina locals.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
South Carolina
  • Life Insurance

Why choose this provider?

Batesburg Insurance Agency, Inc. is a family-run agency that has been serving South Carolina since 1914. The independent firm offers a variety of insurance options, including life, auto, home, renters, and business coverage. Its agents work closely with customers to discuss their options and connect them with a policy that suits their needs. The agency works with carriers such as Travelers, Allstate, Foremost, Progressive, and National General. It is a member of the Independent Insurance Agents and Brokers of South Carolina.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (32)
Facebook
4.3 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
South Carolina
  • Group Plans

Why choose this provider?

Midlands Insurance Center caters to the life policy needs of individuals in the state of South Carolina. The company offers both term and permanent life insurance plans. In addition, it has other personal insurance policies that cover houses, automobiles, mobile homes, and boats. Midlands Insurance Center also helps businesses through a variety of products, such as workers' compensation, general liability, and commercial auto insurance. The firm has been providing various insurance solutions for more than 30 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
South Carolina
  • Life Insurance

Why choose this provider?

Irmo Insurance Agency is a family-owned independent company. It helps individuals, families, and businesses in South Carolina to be fully protected from unexpected situations. It offers comprehensive insurance coverage and educates clients on how much they can save on their life, health, vehicle, home, or business insurance policies. Irmo Insurance Agency has been working in the industry since 1976 and represents a variety of providers such as Johnson & Johnson, GuideOne, Progressive, and Foremost Insurance Group.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.6 / 5 (10)
Google
4.9 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
South Carolina
  • Health Insurance
  • Life Insurance

Why choose this provider?

Van Horn Insurance is a local agency that accommodates clients in South Carolina. Its personal lines of insurance products include life policies designed to secure families should an unfortunate event affect the insured or policyholders. The agency's representatives spend time meeting with clients to conduct a comprehensive analysis and determine the amount of coverage appropriate for their dependents. There are also protection plans available to insure important assets, such as houses, vehicles, and commercial properties.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (18)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
South Carolina
  • Life Insurance

Why choose this provider?

Clark Farley Insurance has life indemnity products for residents of South Carolina. The agency has life plans and investment contracts for clients who are accumulating their conjugal, family, and retirement assets. Business insurance options are on hand that protect against bodily injuries suffered during work. Car coverage is also available for drivers' liability and collision damage. Clark Farley Insurance has a staff member on the roster who is fluent in Spanish. It has policies from Chubb, Nationwide, and Travelers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (103)
Facebook
4.2 / 5 (35)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
South Carolina
  • Life Insurance

Why choose this provider?

Franklin-Summer Insurance, Inc., is an independent and family-centered agency that serves South Carolina residents. Its insurance experts provide life insurance plans to safeguard families and individuals financially from unforeseen circumstances. They guide clients through several options, such as life insurance plans, long-term care, and disability income protection. Other customized solutions include term and whole life insurance, estate planning, individual and family health insurance, and Medicare supplement. Company president George E. Franklin has been in the insurance industry for over 30 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
South Carolina
  • Life Insurance

Why choose this provider?

John Lovsin Insurance Agency is a locally owned and operated independent company serving individuals, families, and businesses in South Carolina. It helps clients manage and plan for a variety of potential risks. It provides different types of life insurance, such as term, life, and variable plans. The agency also offers auto, homeowners', renters', business owners’, general liability, and workers' compensation insurance policies. Its team works with various insurance carriers, including American Modern, Nationwide, and Progressive.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (29)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
South Carolina
  • Life Insurance

Why choose this provider?

Hutson-Etherredge Companies is an insurance agency that assists people across South Carolina. It offers a variety of products, including life, disability, and Long-Term Care (LTC) insurance. It also holds other personal and business policies that cover homes and rental properties, farms, non-profit organizations, and automobiles. The company has been serving clients since 1876 and its team of experts is composed of insurance professionals with AAI and CIC degrees. It works with organizations like American Strategic Insurance and Carolina Care Plan.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
4.5 / 5 (17)
Facebook
3.5 / 5 (8)
Yelp
1.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

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