(843) 952-5689

Affordable Insurance In The Lowcountry


Affordable life insurance can be yours today!


Charleston Life Insurance is one of the leading providers of life insurance and annuity products throughout South Carolina. We work with many life insurance companies along the Atlantic coast and nationwide. The products we offer are competitive and flexible to meet the needs of you and your family. Our agents are experienced with many different types of life insurance policies and finding reasonable and affordable life insurance rates for seniors and veterans.



The Value of Life Insurance

We all know it is impossible to predict the future. Preparing for the worst just isn’t something most of us want to think about. We look to the good things to happen in our life but rarely look to the unexpected or bad that happens. We can’t possibly know when things are going to go horribly wrong. But what we can do is anticipate the likelihood that at some point in our lives the unthinkable does happen. 

What will happen when a catastrophe or tragedy happens in your life or the life of your loved ones?

How will you provide for your family or protect your assets?

The right coverage or life insurance policy can provide the security and support you need when the time comes. Most people have insurance coverage for different reasons. Unlike auto insurance, which is required in every state, life insurance is not required. And unlike health insurance, which most people feel is a necessity, life insurance is often overlooked or forgotten about until we reach a certain age or certain situations happen in our life to make us think about it. And most of the time, the longer we wait to obtain this valuable coverage, the more expensive it becomes as we age.

Finding affordable life insurance with a reputable and prominent life insurance company can be difficult but what our agency offers makes your decision easy. Making a decision about the type of life insurance that is best for you can be a difficult or complicated decision, but we make it easy for you. Since each family, individual and business has different needs, our agents understand that getting quality protection does not only mean getting enough coverage, but it means getting the right type of coverage. That means quality insurance is meeting your specific needs. And this means our agents not only work hard to get the coverage you desire and need, but they take time to get to know you so the best choice is made within your budget. When you choose the right coverage plan with our company, you can rest assured that your needs have been met. You can sleep well at night knowing you are protected with the best coverage plan. 

If you are uncertain about the type of life insurance coverage you need, our agents will assist you every step of the way. They are qualified and licensed and will get you the proper coverage specifically designed for you. Our independent agents are more than just agents, they are life insurance counselors and coaches that guide you to a secure future. No more guesswork in choosing the right insurance plan, our agents have the expertise to give you the guidance you need to choose the right insurance product. Your security and comfort are important to us. 

We keep up with the changing trends in the industry to make sure we are providing top-of-the-line products so you can make the best choice that fits your situation. We do more than simply sell insurance. We are committed to providing you the best products available and the peace of mind you deserve.


What is Life Insurance?

In simple terms, life insurance is a written agreement or contract between the insurer (the life insurance company) and the policy holder (individual or business) that states the insurer will pay a certain amount of money (benefits) when the policy holder dies or becomes terminally ill to designated beneficiaries stated by the policy holder in the agreement or policy. The policy holder enters this agreement by paying a specific amount (premiums) at different intervals (monthly, bi-annually or annually) to the insurer. 


Insurance Rates and Premiums

The next step is deciding the rate you are comfortable paying. One thing to consider is that premiums are usually based on variables such as your age, health, and the size of death benefits you want. Life insurance premiums are usually very affordable compared to other types of insurance. 


services we offer:

  • life insurance no medical exam
  • death benefits
  • online life insurance quotes
  • investment products
  • affordable whole life insurance
  • life insurance plan
  • life insurance for seniors
  • life insurance for veterans
  • mortgage protection services
  • IUL insurance
  • multiple types of annuity services
  • annual insurance reviews


products we offer:

Mortgage protection with living benefits

Simply put, this is a mortgage life insurance policy designed to protect homeowners from losing their home in the event of a serious illness or death. Mortgage Protection is beneficial because in most cases, you won't have to use any other assets or savings to continue to live in your home after a loss to a loved one.

Term life Insurance

This is the easiest type of insurance for most people to understand, as well as the most affordable. As its name states, it provides insurance for a term or a specified period of time. It is designed to pay your beneficiaries at the event of an untimely death.  

Whole life insurance

This type of insurance provides coverage as long as you live and it comes with an investment for those interested in borrowing money from their policy’s cash value in times of need. 


An annuity is a set amount of money paid out to a particular person, including a beneficiary, with the payment being paid to the person for the rest of their life. 

Indexed universal life (IUL)

This life insurance policy allows the policy holder to assign or place a certain amount of cash from the cash value of their policy to other types of fixed accounts. It allows the policy holder to invest in some stocks and bonds based on cash available from their life insurance policy. Sometimes the policy holder can make these investments with no risk attached. 

Life insurance for senior citizens

If you are a senior citizen, you may be thinking you can’t get life insurance or that your premiums would be too expensive. That’s not the case with us. We work with many senior citizens to get them the most affordable life insurance policy that fits their need. 

 Why wait?  Get a no hassle, no obligation totally FREE quote today!

Why wait?  Get a no hassle, no obligation totally FREE quote today!

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 We're proud to serve the beautiful Lowcountry!

We're proud to serve the beautiful Lowcountry!


We're an insurance provider offering valuable insurance products to folks in South Carolina. We specialize in coming to our clients, because our motto is to make things easy. If we can save time and make things convenient for our clients, then we feel that we've helped, which is a major part of what we do. Our agents are all licensed through the state of South Carolina.

Having been in the Charleston area for many years, we are familiar with our southern way of life and our love for the outdoors, that's why we prefer getting out and visiting with our hospitable customers.

When we receive information from this website, we immediately begin shopping around, for both the best coverage and the best agent in the area. We try to reach out with a friendly phone call the same day.


Why we're different

We work with over 14 different "A" Rated insurance carriers, each with their own specialty and rating system. Most of our carriers can offer coverage with no medical exam. This means no annoying urinalysis or blood work in some cases. Therefore, what Charleston Life Insurance can provide to you is not only affordable, but effective. We're not the typical "sell you a product in a box" type of company. We take the time to understand you and your entire family's situation to tailor the best insurance coverage for the long term.

We review our customers' plans annually to identify changes in the industry and seek out better coverage when available. We make everything easy and convenient because we understand and appreciate how today's modern families function, thus simplicity is out motto.

So, why not let one of our local specialists show you some options at your convenience? We're positive we can "WOW" you with one of our many cost effective solutions.

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