We offer a wide range of health insurance products, including major medical ObamaCare plans (Affordable Care Act health insurance) in Columbia and the rest of South Carolina, accident, cancer, critical illness, disability, long-term care, short-term medical, and Medicare products (Medicare Advantage, Medicare Supplement, and Part D Prescription Drug plans). The ObamaCare cost often determines which ancillary plans it makes sense to add.
For life insurance, your choices include final expense, joint (also referred to 'second to die') juvenile, term, universal, whole life, and hybrid (life with a Long-Term Care component.
Annuities (fixed, indexed, or immediate) are also available through one of our many highly rated carriers. If you are looking for alternatives to the stock market, fixed indexed annuities are often a wise choice. This is true if you are rolling over your 401(k), or if the returns on your CD's are lower than you would like, or if the ups and downs of the market leave you lacking peace of mind.
There's no cost to you for our services. The insurance company pays us a commission if you use us as your agent. Being an independent agency, we represent over 25 insurance companies. This allows us to find the best product(s) for your situation. Mr. Rowan has over 20 years of experience in the insurance industry.
Each client is unique. We deliver custom solutions, tailored to you, your family, or your business. Using face to face meetings or telephonic consultations, we can help you sort through the insurance maze. We are here to help you find the best product/price combination that meets your needs. Whether you're looking for a health plan with copays or an HSA (Health Savings Account) plan, we have you covered. Similarly, if you're interested in life insurance, we'd like to have a conversation with you as to why a low cost term plan may not be the best solution.
While many of our clients come to us thinking they just need major medical health insurance, they often find that an additional product, such as a cancer, accident, disability, or critical illness plan is very beneficial to them.
We find working with retirees to be very rewarding, so whether you are just in the information gathering stage, or if you have already retired, we'd love to have a conversation with you. Having worked in the individual market since 1995, we have a lot of experience in this arena.