Navigate the confusing world of health insurance with help from an independent agent. Serving Columbia and all of South Carolina.
There’s no better way to preserve you and your family’s health than with a customized health insurance policy from Turbeville Insurance Agency.
Medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life.
Turbeville Insurance Agency can help you find an affordable healthcare plan. Call 800-738-9918 and talk with one of our Life and Health Team to learn more.
Common Health Insurance Terms
When discussing health insurance with your agent, it helps to understand some of the common terms you’ll run into. Below you’ll find definitions to some of the most common health insurance terms.
- Deductible — the amount of money you pay toward medical bills before your insurance coverage begins.
- Co-pay — a specified amount of money you pay upfront for doctor visits and prescription refills.
- Co-insurance — the percentage of medical bills you pay after meeting the deductible.
To learn more about health insurance, call Turbeville Insurance Agency at 800-738-9918 and talk with one of our agents today. We’re right here in Columbia, Beaufort, Bluffton, Charleston, and Lexington, ready to guide you toward a more secure future.
Safeguard your family’s future with the right life insurance policy. Serving Columbia, Beaufort, Bluffton, Charleston, Lexington and all of South Carolina.
Don’t leave the future of your loved ones to chance. Having the right life insurance is pivotal in planning for the future. Life insurance can help you fulfill promises you’ve made to your family when you are gone.
Turbeville Insurance Agency can help you find the right life insurance policy for you and help ensure that your policy continually meets your needs. Contact us today to get started.
Life Changes — So Should Your Policy
The right life insurance policy will be unique for you and dependent on your personal and financial needs.
As your life changes, your life insurance coverage may need to change in order to adapt to your current needs.
Some life transformations that may require a policy tune-up? include the following:
- You recently married or divorced
- You have a new child or grandchild
- You have opened or expanded a business
- You are providing care or financial assistance to a parent, child, or grandchild
- You are concerned about retirement income
- You have refinanced your home, mortgage, or purchased home
Common Types of Life Insurance
There are several different types of life insurance policies available — the most common include the following:
- Term Life Insurance
Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than whole life insurance, and is available in varying time periods with fixed premiums from a one-year (annual renewable term) to 20-year (level term) period. Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
- Whole Life Insurance
Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.
- Universal Life Insurance
Universal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.
Talk with the life and health team at Turbeville Insurance Agency today at 800-738-9918 to determine the best plan for you. We can assist in identifying the best protection for you.
Advantages of Life Insurance
Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.
Advantages of the life insurance death benefit: When you pass away, your life insurance provides income tax-free money to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.
Advantages of Living Benefits: The cash value growth of a whole life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a whole life insurance policy to help with expenses, such as college tuition or the down payment on a home.
The right life insurance coverage for each and every one of our is unique — talk with the Turbeville Insurance Agency team today to find out how to protect your family and your future with the right life insurance.
Additional Life and Health Services
- Short Term Disability
- Long Term Disability
- long Term Care
- Dental Insurance
- Vision Insurance
- Accident Policies
- Cancer Insurance
- Critical Illness Insurance