Best Life Insurance In South Carolina
Discover South Carolina's top life insurance companies, understand different policies, and learn about local life insurance laws.
South Carolina’s life insurance laws are governed by Title 38 of the South Carolina Code of Laws.
- 10-day free look period (SC Code Ann. 38-63-220)
- 31-day grace period (SC 38-63-220)
- Interest starts building if the account is not settled within 30 days of the death of insured person (SC 38-63-80)
- Guarantees up to $300,000 for lost death benefits per insured individual (source)
Keep in mind that life insurance laws are very similar from state to state (for example, South Dakota’s life insurance laws and Tennessee’s life insurance laws are nearly identical to those of South Carolina).
How Much Is A $10,000 Whole Life Policy In South Carolina?
The table below shows the rates by age of $10,000 of whole life insurance in South Carolina.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.27 | $17.28 | $14.66 | $15.98 |
| 25 | $15.55 | $17.76 | $15.21 | $17.23 |
| 30 | $17.12 | $20.51 | $15.85 | $19.01 |
| 35 | $19.14 | $22.56 | $17.40 | $21.00 |
| 40 | $21.42 | $25.32 | $19.68 | $23.58 |
| 45 | $23.48 | $28.76 | $22.66 | $27.44 |
| 50 | $27.99 | $33.94 | $25.07 | $31.68 |
| 55 | $32.53 | $39.92 | $28.26 | $36.43 |
| 60 | $38.95 | $47.21 | $33.67 | $42.56 |
| 65 | $48.13 | $57.86 | $41.02 | $50.47 |
| 70 | $60.18 | $71.31 | $52.98 | $60.69 |
| 75 | $97.49 | $133.27 | $71.63 | $95.40 |
| 80 | $134.86 | $182.05 | $97.90 | $135.63 |
| 85 | $187.61 | $258.56 | $131.92 | $192.80 |
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Best Life Assurance In Mount Pleasant
Mount Pleasant, a picturesque city exuding charm and warmth, serves as a beacon of southern hospitality. Nestled in the heart of South Carolina, it stands as a serene gateway to the historic Charleston area, offering residents and visitors alike a unique blend of rich history, delightful coastal cuisine, and abundant recreational activities. With its sprawling parks, waterways, and meticulously preserved historic sites, Mount Pleasant captivates those who seek a blend of suburban tranquility and vibrant community life. Whether strolling along the iconic Ravenel Bridge, exploring the enchanting Shem Creek, or indulging in the culinary delights of local seafood restaurants, Mount Pleasant offers an idyllic, scenic backdrop for both adventure and relaxation.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Alico Life Insurance Company Limited | Australia, 3556 Hartford Way Vlg | +917000000000 |
| Lincoln National Life, Robin Heustess – Independent Agent | 126 Seven Farms Drive # 120 | +18436070125 |
| Cru Insurance | 950 Houston Northcutt Blvd # 101 | +18437902606 |
| Energy Insurance Mutual | 410 Mill St | +18437183107 |
| The Allen Agency | 1036 Ewall St | +18438491459 |
| Lori Miller Independent Agent | 887 Johnnie Dodds Blvd Suite 211 | +18437081438 |
| Primerica | 1041 Johnnie Dodds Blvd #3a | +18438815014 |
| Coastal Living Consultants | 159 Civitas St UNIT 201 | +18434102561 |
| Prudential | Chuck Jones | Life Insurance & Financial Services | 503 Wando Park Blvd | +18434424195 |
| Southern Benefits | 871 Lowcountry Blvd | +18438817636 |
| Angela Holbert – State Farm Insurance Agent | 729 Long Point Rd Ste 101 | +18433522177 |
| GMTA Insurance Management | 1459 Stuart Engals Blvd | +14043146799 |
| HealthMarkets Insurance – Jordan Bass | 1113 Market Center Blvd F | +18434374882 |
Best Coverage In Charleston
Discover Charleston, a captivating city where history and elegance converge along the South Carolina coast. Known for its well-preserved architecture, rich history, and irresistible Southern charm, Charleston invites visitors to explore its cobblestone streets, antebellum houses, and iconic waterfront. The city’s vibrant food scene, bustling markets, and lush gardens offer a taste of its modern vitality and old-world allure. Whether you’re drawn to the allure of historic forts and museums or the tranquility of its picturesque beaches, Charleston promises an unforgettable experience. Come and uncover the treasures of a city where the past and present dance in perfect harmony.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Charleston Life Insurance | 1524 Orange Grove Rd #1 | +18439525689 |
| Lincoln National Life, Robin Heustess – Independent Agent | 126 Seven Farms Drive # 120 | +18436070125 |
| Riley Knudsen Agent New York Life | 200 Meeting St #401 | +18434129726 |
| Smart choice insurance | 1520 Patterson Ave | +18432589508 |
| Piedmont Insurance | 1565 Sam Rittenberg Blvd | +18435487446 |
| Advantage Insurance | 12 Gillon St | +18438530446 |
| Gabe Pilato, Licensed Independent Medicare Agent | 804 League St | +18438142693 |
| Empire Insurance Brokers | 170 Meeting St Suite 110 | +18438173567 |
| Hybrid Senior Solutions | 843 Harbor Pl Dr | +18437143404 |
| Monumental Life Insurance Co | 4130 Faber Pl Dr # 204 | +18435481661 |
| Refundable Insurance Experts | 1025 Buist Ave | +18433528085 |
| Royal Insurance Agency SC | 2155 N Park Ln Unit 106 | +18035802313 |
| American Income Life Insurance Co – Mark Beckford | 3294 Ashley Phosphate Rd | +18033353799 |
| SC Life Needs | 7797 Buck Pond Rd | +18667476019 |
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Best Policies In North Charleston
North Charleston, nestled in South Carolina, stands out as a vibrant part of the Charleston Metropolitan Area. This city, known for its rich history and modern industrial growth, is a hub for commerce, culture, and transportation. Home to the Charleston International Airport, it serves as a gateway for both business and leisure travelers. North Charleston’s sprawling parks, diverse shopping venues, and the North Charleston Coliseum Complex add to its charm, attracting visitors and residents alike who seek a dynamic lifestyle amidst the heritage and hospitality of the South. With its strategic location and thriving community, North Charleston is a city that seamlessly blends tradition with progress.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Charleston Life Insurance | 1524 Orange Grove Rd #1 | +18439525689 |
| Refundable Insurance Experts | 1025 Buist Ave | +18433528085 |
| Royal Insurance Agency SC | 2155 N Park Ln Unit 106 | +18035802313 |
| Monumental Life Insurance Co | 4130 Faber Pl Dr # 204 | +18435481661 |
| Peper Insurance | 2128 Ashley Phosphate Rd | +18435481913 |
| American Income Life Insurance Co – Mark Beckford | 3294 Ashley Phosphate Rd | +18033353799 |
| ARIES BAIL BONDS & INSURANCE AGENCY | 3618 Ashley Phosphate Rd #3 | +18434785048 |
| Lowcountry Insurance | 2128 Ashley Phosphate Rd | +18435487691 |
| Thomas Eddins, Bankers Life Agent | 7410 Northside Dr Ste 210 | +18435697004 |
| SC Life Needs | 7797 Buck Pond Rd | +18667476019 |
| Fuerza Latina Insurance | 1316 Remount Rd Suite B | +18036588110 |
| Carolina Wren Insurance Agency | 8700 N Park Blvd Suite B | +18434699209 |
Best Life Cover In Columbia
Columbia is a vibrant city known for its rich cultural tapestry and historical significance. As the capital of South Carolina, it serves as a bustling hub of governmental activities, education, and commerce. The city beautifully balances its historic roots with modern development. Home to the University of South Carolina, Columbia boasts a lively academic atmosphere that feeds into its diverse range of cultural attractions, including museums, galleries, theaters, and parks. With its warm climate, friendly community, and scenic landscapes, Columbia offers a welcoming environment for both residents and visitors, making it a quintessential American city with a charm all its own.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Jolly Insurance Agency, Inc. | 214 Outlet Pointe Blvd | +18038685565 |
| Anthony Holmes, Bankers Life Agent | 140 Stoneridge Dr Ste 410 | +18037984450 |
| Destiny Coker Williamson, Bankers Life Agent | 140 Stoneridge Dr Ste 410 | +18037984450 |
| Madison Insurance Group | 1 Harbison Way #109 | +18039815272 |
| NSC Agency | 1122 Lady St Suite 1100-G | +18032002621 |
| Jameson Insurance Group | 3103 Devine St FL2 | +18032506464 |
| Claxton Insurance Agency, LLC | 9300 Two Notch Rd | +18034001911 |
| Columbia Insurance | 7008 Shakespeare Rd | +18034001911 |
| Insurance Center | +18037729113 | |
| Brokerage Services of Carolina | 1411 Barnwell St | +18036536637 |
| Select Choice Insurance | 1612 Marion St | +18034039855 |
| Fuerza Latina Insurance | 1818 Augusta Rd | +18036588098 |
Best Life Insurance In Rock Hill
Rock Hill, nestled in the heart of South Carolina, stands as a beacon of Southern charm and history. Known for its inviting mix of outdoor beauty, cultural richness, and vibrant community life, this city boasts a blend of historic landmarks and modern amenities. From the lush parks and scenic trails of the Catawba River to the educational and cultural experiences offered at the Museum of York County and the Center for the Arts, Rock Hill caters to a diverse array of interests and ages. The city’s commitment to economic growth is evident in its thriving business community and innovative initiatives, such as the Rock Hill Sports & Event Center, which draws visitors and residents alike for premier events. With a calendar filled with festivals and community events, Rock Hill embodies the warm, welcoming spirit of the South while fostering a dynamic and inclusive environment for all who visit or call it home.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Angel Insurance & Financial: Billardello Frank | 404 Oakland Ave | +18033276512 |
| Senior Benefits Center of the Carolinas | 147 Herlong Ave | +17044517139 |
| Fase Insurance Group Rock Hill, LLC. | 2109 Farlow St #105 | +17709608803 |
| Fuerza Latina Inc – Rock hill | 2443 Cherry Rd Ste A | +18033280083 |
| Brandon Johnson, Life Insurance Agent | 1822 Gingercake Cir apt 207 | +18033221844 |
| Sunlite Insurance Agency | 225 E Main St #108 | +18032267543 |
| Andrews Insurance Agency | 406 E White St #103 | +18038684049 |
| Rock Hill Life Insurance | 213 Wiley Ave | +18035244650 |
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Top Life Insurance Companies In South Carolina
For the residents of the great state of South Carolina, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 0 – 85 years |
| Coverage Range | $1,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
Mutual of Omaha
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 45 – 85 years |
| Coverage Range | $2,000 – $50,000 |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
| Policy Type | Whole Life |
| Available States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Age Range | 45 – 89 years |
| Coverage Range | $2,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
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Rikin Shah
Rikin is the Founder & CEO of GetSure. He is a licensed life, accident & health insurance agent in all 50 states (plus D.C.) and has over 15 years of experience in the financial services industry. He has been featured in publications such as Forbes, USA Today, and U.S. News & World Report, among others. Rikin holds a B.S. in Applied Mathematics from Columbia University and an MBA from The Stanford Graduate School of Business. If you'd like to speak with Rikin to discuss your life insurance options or questions, don't hesitate to email him at hello [at] getsure.org.
