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Best Life Insurance Companies in Mount Pleasant

2023

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Website
1485 North Highway 17, Mount Pleasant, SC 29464
  • Life Insurance
  • Health Insurance

Why choose this provider?

Gene Murray is a life insurance agent who serves clients in Mount Pleasant. He provides several types of life insurance, such as universal, whole, and term, to secure his clients' families in case of an unexpected event. Aside from life insurance, Murray also handles insurance policies designed for homeowners, renters, and cars. He has been working as a State Farm insurance agent since 1989. In addition, he has been a Legion of Honor and Ambassadors for Life Qualifier.

License Verified:

License: 6432482

South Carolina Department of Insurance

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
4.0 / 5 (35)

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
709 Long Point Road, Mount Pleasant, SC 29464
  • Life Insurance

Why choose this provider?

South Carolina Coastal Insurance is a direct insurance company located in the Mount Pleasant area that offers its proprietary products to both residential and commercial clients. It provides life insurance plans as financial protection for its clients' dependents. In addition, South Carolina Coastal Insurance deals with a range of insurance services for homeowners, renters, flood, umbrella policies, automobiles, and commercial trucking. Its previous clients have praised its quick response, professional customer service, and proactive assistance.

License Verified:

License: 1911558591

South Carolina Department of Insurance

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
Facebook
5.0 / 5 (4)
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
669 Marina Drive, Daniel Island, SC 29492
  • Life Insurance
  • Health Insurance

Why choose this provider?

Rick Iriart is an agent under State Farm who works to address the life insurance needs of individuals and families in the Mount Pleasant area. Rick's team focuses on helping its clients manage everyday risks, recover from unexpected events, maintain living standards, and pay off debts. They offer assistance in evaluating and securing policy options that encompass term, whole, and universal life insurance. Rick, who is fluent in speaking Spanish, is a member of NAIFA.

License Verified:

License: 2738540

South Carolina Department of Insurance

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
4.0 / 5 (43)
Facebook
3.0 / 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

Website
PO Box 60218, Charleston, SC 29419
  • Life Insurance

Why choose this provider?

Palmetto Insurance Agency of South Carolina is an independent insurance agency located in Charleston. It has been serving the personal and commercial insurance needs of the Mount Pleasant community and surrounding areas since 2005. The agency represents multiple carriers and offers a range of policies such as life, auto, homeowners, renters', builder's risk, and flood. Its other services include commercial vehicle, general liability, workers' compensation, and commercial property insurance. Palmetto Insurance Agency of South Carolina is owned by Danny Haberman.

License Verified:

License: 1906253338

South Carolina Department of Insurance

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 (3)

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
802 Coleman Boulevard, Mount Pleasant, SC 29464
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Long Term Care

Why choose this provider?

Crosby Insurance Group is an independent insurance agency that has been serving clients in Mount Pleasant since 1996. The full-service brokerage offers a range of insurance services, including health and life insurance and coverage for homes, automobiles, and businesses. It also provides retirement planning services. Crosby merged with Summerville Insurance Agency in 2008, and it has three offices in South Carolina. Its founder, Rick M. Crosby, is a Registered Health Underwriter and has been in the industry for more than 30 years.

License Verified:

License: 1727011

South Carolina Department of Insurance

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.
4.2
Google
4.0 / 5 (15)
Facebook
5.0 / 5 (2)
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
1312 Bowman Road, Mount Pleasant, SC 29464
  • Life Insurance

Why choose this provider?

Schirmer Insurance Group is a full-service insurance agency serving Mount Pleasant and nearby areas. Its team of agents helps individuals procure personalized life insurance plans that suit their specialized needs while ensuring comprehensive coverage and mitigating risks. They also handle other personal lines and business lines, including home, auto, commercial property, and general liability insurance. The company was founded by spouses Gina and Sam Schirmer, along with their eldest son, Sass Schirmer. Together, they have over 50 years of experience in insurance and lend their expertise to serve clients in the metro.

License Verified:

License: 1909328613

South Carolina Department of Insurance

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.
4.1
Google
4.0 / 5 (59)
Facebook
5.0 / 5 (4)

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
835 Coleman Boulevard, Mount Pleasant, SC 29464
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Group Plans

Why choose this provider?

Hibbits Insurance, Inc., serves individuals, families, and businesses in the Mount Pleasant area. With over 50 years of industry experience, the agency has provided clients with life insurance options from different insurance carriers. The firm's agents understand that a client's needs can change over time, which is why they help clients assess their current situations and their goals. They also review existing insurance policies. Two of the policies available are term life insurance and permanent life insurance.

License Verified:

License: 1901480196

South Carolina Department of Insurance

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.
4.3
Facebook
4.0 / 5 (6)
Google
5.0 / 5 (3)

Website
501 Wando Park Boulevard, Mount Pleasant, SC 29464
  • Term Life Insurance

Why choose this provider?

Manning Insurance Agency handles the needs of families and businesses in Mount Pleasant and neighboring areas. The independent agency specializes in various life insurance products, including term life insurance, disability insurance, and permanent life insurance. Permanent life insurance policies include whole life and universal life insurance. The company also offers insurance coverage for homes, properties, vehicles, and businesses. Owner Scott Manning has several years of experience helping people across coastal South Carolina with their insurance needs.

License Verified:

License: 1908243764

South Carolina Department of Insurance

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
Facebook
5.0 / 5 (5)
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3044 North Highway 17, Mount Pleasant, SC 29466
  • Life Insurance
  • Health Insurance

Why choose this provider?

Tony Pope is a State Farm insurance agent who serves Mount Pleasant residents and businesses. He leads a group of insurance specialists and carries various insurance products, including life and pet insurance. His team helps clients understand and select from available life insurance policies, such as universal, term, and whole life insurance options. The team members also assist policyholders in making policy changes. With over 350 years of collective industry experience, Tony and his team have been in service since 1990.

License Verified:

License: 6420479

South Carolina Department of Insurance

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 (158)
Facebook
5.0 / 5 (49)
Yelp
3.5 / 5 (3)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
208 A Cedar St, St. George, SC 29477
  • Life Insurance

Why choose this provider?

Bates Insurance Group of The Lowcountry, LLC, is a locally owned full-service agency that serves individuals, families, and business owners in Mount Pleasant. It provides comprehensive insurance solutions that meet every client’s individual needs. Among its products is life insurance, which includes individual, group, and long-term care plans. In addition, the agency offers auto, home, and business coverages. It is also a Trusted Choice member. Some of its partner carriers include Safeco, Travelers, and Allstate.

License Verified:

License: 1912673937

South Carolina Department of Insurance

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.
4.2
Google
4.1 / 5 (31)
Facebook
4.5 / 5 (24)
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

Website
1941 Clements Ferry Road, Charleston, SC 29492
  • Life Insurance
  • Health Insurance

Why choose this provider?

Allison DiTullio is a State Farm insurance agent servicing Mount Pleasant. Since 2014, she has been providing term, whole, and universal life insurance coverage options to individuals who want to secure their future. The policies are also available to small businesses for different purposes, such as business continuation, key employees, employee benefits, and key employee incentives. DiTullio also offers auto, health, and pet insurance. She is a member of the Charleston Metro Chamber of Commerce and the St. Thomas Isle Business Group.

License Verified:

License: 8924292

South Carolina Department of Insurance

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
4.0 / 5 (83)
Facebook
5.0 / 5 (76)

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
––

Frequently Asked Questions

  • What's the policy review duration for life insurance in Mount Pleasant?

    Upon receiving a life insurance policy, individuals in Mount Pleasant get a minimum of 10 days to examine it. However, for policies acquired via mail order, a longer 30-day evaluation window is granted. If a policyholder decides to return the policy during this "free look" interval, the insurer is obligated to reimburse any premiums paid by the customer.

  • How does tobacco use impact life insurance rates in Mount Pleasant?

    In Mount Pleasant, life insurance applicants who smoke or use tobacco might face higher rates. To be eligible for reduced non-smoker rates, insurers typically mandate a tobacco-free year. While many companies equate all tobacco products, including cigars, pipes, and chewables, to cigarette use, there are insurance carriers that offer non-smoker rates for users of non-cigarette tobacco products.

  • What does "participating" mean in the context of life insurance policies in Mount Pleasant?

    A "participating" life insurance policy in Mount Pleasant signifies one that could grant dividends to the policyholder. These dividends stem from the insurer's earnings, allowing the policyholder a share. Essentially, if the insurer gathers more in premiums than required for claims and maintains future claim reserves, they may disburse dividends by year-end, effectively returning a portion of the premium to the policyholder.

  • In Mount Pleasant, what should one do if their life insurance claim is denied?

    If an individual's insurance claim is rejected, the first step is to obtain a comprehensive reason for the denial from the insurer in Mount Pleasant. Understanding this rationale aids in plotting the subsequent course of action. If the denial seems unfair, the decision can be appealed. It's prudent to engage an insurance attorney during this phase, as they can fortify the appeal and navigate the process efficiently.

  • What should residents of Mount Pleasant consider if they're thinking of replacing or adding to an existing life insurance policy?

    Policyholders should never terminate an existing life insurance policy in Mount Pleasant before the new one is active and confirmed. It's crucial to evaluate the old and new policies by checking their costs, the stability of the insurers, and other features like convertibility. Initiating a fresh policy also restarts certain periods, like the contestability and suicide clauses, typically lasting the initial two years.

  • 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.