Life Insurance
Term, whole, and universal life coverage compared
Term Life Insurance
Term life is the most straightforward and affordable type of life insurance. You choose a coverage amount and a term length (typically 10, 20, or 30 years) and pay a fixed monthly premium. If you pass away during the term, your beneficiaries receive the full death benefit tax-free. If you outlive the term, the policy simply expires. Term life is the right fit for covering a mortgage, raising children to adulthood, or replacing income during your peak earning years.
- Lowest cost per dollar of coverage
- Fixed premium for the length of the term
- Death benefit paid income-tax-free to beneficiaries
Whole Life Insurance
Whole life provides permanent coverage that lasts your entire lifetime, as long as premiums are paid. In addition to the guaranteed death benefit, whole life policies build cash value on a tax-deferred basis. You can borrow against that cash value or surrender the policy for its accumulated value. Premiums are higher than term, but they're fixed and guaranteed never to increase, which is what makes whole life a fit for estate planning or leaving a guaranteed inheritance.
- Coverage for your entire lifetime
- Builds tax-deferred cash value you can borrow against
- Guaranteed premium never increases
Universal Life Insurance
Universal life offers permanent coverage with more flexibility than whole life. You can adjust your premium payments and death benefit amount within certain limits. The cash value component earns interest based on current market rates or, in the case of indexed universal life, based on the performance of a market index. A good fit for people whose financial situations may change but who still want lifelong protection.
- Adjustable premiums and death benefit
- Cash value tied to market rates or an index
- Permanent coverage with flexibility to adapt
Beyond life insurance
Products that pair well with a life policy
Long-Term Care
Covers extended care needs — in-home care, assisted living, or nursing facility — that aren't covered by health insurance or Medicare. Hybrid life/LTC policies let a portion of the death benefit fund care if needed.
Annuities
Contracts that convert a lump sum or series of payments into guaranteed income, often used to supplement retirement savings or create a predictable income floor. Fixed, indexed, and variable options are available.
Business life insurance
Key person coverage, buy-sell agreements, and executive benefit strategies that protect a business against the loss of an owner or key employee.
Sizing your policy
What a proper needs analysis covers
Income replacement
10–15 years of your income so dependents can maintain their current standard of living.
Debts & final expenses
Mortgage, car loans, student loans, credit cards, plus SC funeral and final-expense costs.
Future expenses
College tuition, childcare, and major expenditures your family is counting on.
Casey is wonderful — very helpful, resourceful, and knowledgeable. She answers questions beautifully. I wish we had more agents in the insurance field like Casey. I'll be recommending family and friends.
Gwen B.
Long-time client · South Carolina
Related coverage
Other ways we can help
Term Life Insurance
Affordable fixed-term coverage for a mortgage, children, or peak earning years.
Learn moreWhole Life Insurance
Permanent coverage that builds cash value for estate planning or legacy goals.
Learn moreDisability Insurance
Protect your income if illness or injury keeps you from working.
Learn more
Testimonials
What Our Clients Say
Real people. Real guidance. Real peace of mind.
I can't say enough nice things about Will Murdock and the hours he's spent helping me find the best plan. He sat on hold listening to elevator music for hours getting all the kinks worked out with my Medicare and Medicaid.
Stacey R.
Medicare client · South Carolina
I was looking for new health insurance and ended up with dental and vision too. Will offered different plans that worked for my budget. Finding insurance isn't always easy, but they made it simple.
Brittany P.
Individual & supplemental plan member · South Carolina
Sherri is incredible. In the 12 years I've handled our company's insurance, we were only ever offered the same two paths. She gave us options no previous agent had ever mentioned, worked directly with each employee, and answered every question.
Jill C.
Group benefits decision-maker · South Carolina
Kearah saved my sanity. She helped me navigate a very uncertain period of getting solid coverage — she was on every call with me and even did footwork on my behalf. I'll be calling her for life insurance next.
ILONA
Health & life client · South Carolina
Brandon is a wealth of information. He's personable, easy to talk to, and made the crazy world of Medicare make sense. He's my recommendation for friends and family getting ready to become eligible.
Matt L.
New Medicare enrollee · South Carolina
Sherri reached out to the Chamber to discuss our health plan and found us a plan with a wider range of benefits. Her knowledge of the health insurance market is remarkable, and her customer service is exceptional.
Irmo Chamber of Commerce
Member organisation · Irmo, SC
Brandon is super compassionate with older folks. He guided my mom through her Medicare open enrollment so smoothly. Thanks, Brandon.
Melissa F.
Family caregiver · South Carolina
As a self-employed small business owner, I'd always carried high deductibles and minimal coverage to make insurance work. Sherri found my family a plan with real coverage and was patient with every question I had.
Victoria A.
Self-employed plan member · South Carolina
The owner and employees were extremely knowledgeable in finding us insurance options. Sherri explained everything and answered every question. Kristian was professional and never made me feel like a burden — he was happy to help.
Allison H.
Long-time client · South Carolina
Andrew is amazing at serving his clients. He cares for them from the beginning to the end of the process. I'd recommend him to anyone looking to add health or life insurance.
Joy H.
Health & life client · South Carolina
Life insurance carriers
Our Brokerage Partners
Allstate
American Amicable
Assurity
Banner Life
Corebridge Financial
Fidelity & Guaranty Life
Mutual of Omaha
Nationwide
Transamerica
Why work with us
Independent broker, every carrier compared
Multiple carriers shopped
We shop your application across top-rated carriers — including Mutual of Omaha, Nationwide, Transamerica, Allstate, Gerber, Protective, Royal Neighbors, American National, and Mass Mutual — to find the most competitive offer.
Personalized needs analysis
We walk through your income, your debts, and your future expenses so the coverage amount actually matches what your family would need.
No cost to you
Premiums are the same whether you use a broker or go direct. Carriers pay us, and you get impartial guidance.
Got Questions?
Frequently Asked Questions
Have a question not listed here? Get in touch.
A common guideline is 10 to 15 times your annual income, but the right amount depends on your specific situation. Consider your outstanding debts (mortgage, car loans, student loans), the number of years your dependents will need financial support, future education costs for children, and your existing savings and assets. We run a personalized needs analysis with you so you buy exactly the coverage you need, without paying for more than that.
Term life insurance covers you for a specific period (10, 20, or 30 years) and pays a death benefit only if you pass away during that term. It is the most affordable option. Whole life insurance covers you for your entire lifetime, builds cash value over time, and has guaranteed premiums that never increase. Term is ideal for temporary needs like covering a mortgage, while whole life suits those who want permanent protection and a savings component.
Life insurance costs vary based on your age, health, coverage amount, and policy type. Term life is typically the most affordable option, especially for younger and healthier applicants. Whole life insurance costs significantly more than term — typically several times higher — because it provides lifelong coverage and accumulates cash value. We compare rates from multiple carriers to find the most competitive pricing for your profile.
Not always. Many carriers now offer no-exam or simplified-issue life insurance policies that only require a health questionnaire. These can get you approved in days, but they typically cost more and cap coverage lower than fully underwritten policies. If you're in good health and want the lowest rates, a traditional policy with a medical exam will usually save you real money over the life of the policy.
Get a Free Life Insurance Quote
We compare policies from top-rated carriers to find the right protection at the right price.