Life insurance is a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") upon the death of the insured person. Our ability to shop your life insurance rates with multiple companies allows you to always feel confident you have a competitive rate for your life insurance in Manning, Sumter, Turbeville, Florence, and Summerton South Carolina.
“Protecting Your Tomorrows Today...”
Life Happens
Life insurance is something most people just don’t want to think about. But in the current economy it has never been more important to plan ahead. By visiting this page it shows you understand the necessity of life insurance. If you are researching and deciding whether or not you actually need life insurance consider the following:
- Are you are the primary provider for your family?
- If something happens to you will your family be able to enjoy the same standard of living after you’re gone?
- What will replace your annual income?
- Make Mortgage payments?
- Put children through school?
In planning for the future these are just a few of the questions that need to be answered. Here at DuRant Insurance there are no high pressure salesmen. Nobody is going to knock on your door. We’re going to take the time to ask the proper questions, find out exactly what your unique situation is and how we are going to address it. We’re not going to promise you that if you are 65 years old or older we are going to qualify you for permanent life insurance at $5 per month. It just doesn’t work like that. We are going to be honest and straightforward when we explain the different options available to you. Insurance is all we do. Quite honestly, we’re good at it. With access to over 200 of the nation’s top rated life insurance carriers, offering over 6,000 products, we are supported by the nation’s leading distributor of life insurance and provider of advanced life insurance planning support services.
Whether you have a simple need or a complex one we have the expertise and resources you need. We also have available to our clients access to estate planning attorney guidance and input at no cost to you. In addition to these things we offer the following:
- A true consultative approach to Life Insurance planning, for either very simple or extremely advanced needs.
- All forms of traditional term Life Insurance to include 10, 15, 20, 25, and 30-year level term periods as well as Return of Premium term life insurance.
- Single premium term and permanent Life Insurance.
- Cash Value accumulation Universal Life Insurance.
- Guarantee No-Lapse Universal Life Insurance.
- Participating Whole Life Insurance.
- Life Insurance solutions for children.
- Key Man life insurance for businesses.
Here is what will happen after you visit this page and want to receive more information. We will contact you if and only if you request us to do so in the form you request – by either email or telephone. We will not be “pushy” life insurance agents contrary to popular beliefs. True, we get paid for our work, but we truly care about our clients. We want you to be absolutely satisfied with our agency and this means you are completely comfortable with your decision.
The old axiom is true that life is full of surprises. Life just kind of gets in the way sometimes. Allow us to help you plan and prepare for your future and that of your family.
Life, Health, and Long Term Care Insurance are vital components of a sound asset protection plan for both families and businesses.
Life Insurance provides your family and loved ones with vital income protection after you're gone. When funded by life insurance, buy/sell agreements also allow businesses to continue to operate upon the untimely death of a partner. These are just two examples of many applications of life insurance available today.
Long Term Care Insurance provides coverage for care in a nursing facility or even in your own home should you or your loved one become incapacitated and unable to care for themselves. This coverage is as much for the caregiver's family as it is for the individual as the caregiver is usually a family member who ends up providing the care itself. If you haven't allocated SOME of your assets to provide for long term care, you have likely allocated ALL of your assets for long term care.
Health Insurance provides for protection against a catastrophic illness that could end up draining a family's assets. If you do not have health insurance you are truly rolling the dice with your family's future.
Group Health Insurance premiums seem to rise each year. We know how important it is to retain good employees by providing group health insurance and we represent all the major health carriers. Whether you are a small business or a large corporation we can provide you with health plan choices that suit your own individual budget.
Our Offerings:
- Individual Health Plans
- Group Health Plans
- HSA's
- HRA's
- Long and Short Term Disability
- Long Term Care
- Permanent and Term Life Insurance
- Estate Planning
- Charitable Gifting
- Annuities
What is Legacy Planning?
Ph) (803) 435-4800