A Little Bit About Whole Life (part one)

Life Insurance in Sumter, SC

When it comes to life insurance, it’s pretty hard to beat the benefits of Whole Life Insurance. Permanent Life Insurance Whole life insurance is also known as “permanent” life insurance or “traditional” life insurance. It is one of the few policies that lasts for the entire life of the insured (as long as the premium […]

A Little Bit About Term Insurance (part one)

Life Insurance in Sumter, SC

What Is Term Life Insurance? Term life insurance, also known as pure life insurance, is a type of life insurance that stays in force at a level price for a specific amount of time. During the term of the policy (popular terms are 10, 20, and 30 years), if the insured passes away, the life […]

Do I Need Replacement Cost on My Belongings?

Insurance has SO MANY definitions, and it can be hard to keep up with all of them. One of the questions that pops up the most when it comes to home insurance is: “what IS replacement cost?” Most people have replacement cost on their homes because their lending institution requires it as a pre-requisite when […]

Is Flood Insurance Included With My Home Insurance Policy?

One of the most common questions I get about flood insurance is if it is automatically included in a home insurance policy. Short answer: NO. In the state of South Carolina it is not included in your home insurance policy, so if you feel as though you need flood insurance, call your agent and get […]

Deductibles for Home Insurance: What’s the Best Fit if a Named Storm Hits?

Insurance can be tough to figure out sometimes! A lot of carriers have so many options when it comes to deductibles and the effects that it has on your yearly premium payment, that it can be a little bit overwhelming. Actually, most people don’t know what their deductible is in most cases. Why is a […]

One Easy Way to Save on Home Insurance

Insurance can be tough to figure out sometimes! One of the most common questions I get is: “How do I save money on my home owner’s insurance?” Well, there are several ways! I’ll share with you the easiest, and this will be a 30-second read. The most common way that people save on their home […]