Having the right life insurance is pivotal in planning for the future for you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone.
Don’t leave the future of you and your loved ones to chance. South Carolina Insurance Brokers can help you find the right Greenville life insurance coverage for you, and help ensure that your policy continually meets your needs.
SCIB can help you select the best life insurance coverage for your needs. There are several different types of life insurance products available – the most common include:
What type of life insurance is best for you? Talk with the team at SCIB in Greenville, SC. We can assist in identifying the best protection for you.
Having the right life insurance is essential to planning for your present and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.
Life Insurance Death Benefit – When you pass away, your life insurance provides income tax-free to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes, or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.
Living Benefits – The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.
The right life insurance coverage for each and every one of our customers in South Carolina is unique. Talk with the SCIB team today to find out how to protect your family and your future with the right life insurance.
For each of our neighbors in South Carolina, the right life insurance will be unique and dependent on personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life events that may require a policy “tune-up” include:
You recently married or divorced
You have a new child or grandchild
You have opened or expanded a business
Your health or your spouse’s health has deteriorated
You are providing care or financial assistance to a parent
Your child or grandchild requires assistance or long-term care
You recently purchased a new home
You are planning for a child or grandchild’s education
You are concerned about retirement income
You have refinanced your home mortgage in the past six months
You or your spouse recently received an inheritance
You have a sizable estate
Q: How much is the premium for a life insurance policy?
A: Life insurance is calculated through several factors, including:
Q: How much life insurance do I need?
A: This depends on how much money is needed to maintain the current lifestyle of your beneficiaries. This can include:
I greatly appreciate when my agent shops around for the best deal for me. I genuinely feel they have my best interests in mind. I really like it when I can speak to an actual human not just some automated system and recap my coverage once a year.
The quotes and savings they found for me are amazing. The return calls are prompt. The insurance broker makes everything easy to understand. When I changed policy carriers the broker also made it easy and not stressful. I love you SCIB!!!!!
Unfortunately I had water damage in my home and I felt that the staff did an outstanding job and were also sympathetic to the fact I just had my home ruined. Attention was very prompt and respectful!
You reach out to ME when it’s time for a review. It’s easy to talk to someone when I have questions. You do the insurance comparisons for me so I don’t have to contact everyone about rate.
You are always looking out for our best interest as home owners. You make sure we are well covered. Thank you to you and your staff.