South Carolina Life Insurance [2024]
You'll have peace of mind with protection from the South Carolina Department of Insurance and South Carolina Guaranty Association. With over 1500 licensed insurers nationwide, you can get affordable SC life insurance quotes with ease.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
South Carolina life insurance compares favorably for cost, premiums, and can be provided by some of the best life insurance companies. Life insurance is very similar from state-to-state, with a few exceptions, so expect your South Carolina term life insurance quotes to be similar to other states.
This guide should help you understand the differences in South Carolina life insurance as well as find resources for life insurance in SC. We’ll also show you how to get the best life insurance in South Carolina.
Before we dive into this guide, find affordable South Carolina life insurance rates by clicking on our FREE quote tool above. Get started now.
How do I get South Carolina life insurance quotes?
We offer South Carolina residents life insurance from several A-rated life insurance companies. South Carolina life insurance tends to be middle-of-the-pack based on premiums written, according to the Insurance Information Institute.
There are a few things to know about life insurance quotes in SC.
Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the Department of Insurance, SC.
Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.
Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.
South Carolina life insurance also offers residents a free look period minimum of 10 days, a 30-day grace period, a guarantee of death benefit claims up to $300,000. This is the most important of the South Carolina life insurance specifics.
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How much is life insurance in South Carolina?
You may be wondering what to expect with South Carolina life insurance rates. In the chart below, you’ll find what the best life insurance companies in South Carolina charge based on age, marital status, and gender for non-smokers. However, your rates might be different, especially if you smoke.
You can also see how many life insurance companies there are in South Carolina versus the other southern states.
According to the chart, there are six South Carolina life insurance companies that specifically do business within the state. So, chances are, those six companies will be the ones to offer the best life insurance in South Carolina.
That also means more South Carolina life insurance policy options for you. That said, there are many out-of-state life insurance providers for SC life insurance. There are over 1500 licensed insurers for South Carolina life insurance.
What is the South Carolina Guaranty Association?
State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance, and annuities in the state.
If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits.
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In South Carolina, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.
Who do I contact about South Carolina life insurance?
Here is a list of all the necessary state contacts for residents with South Carolina life insurance claims and other related matters.
South Carolina Guaranty Association
If you need information about a South Carolina life insurance or South Carolina health insurance guaranty, contact the South Carolina Life & Accident & Health Insurance Guaranty Association at 1-803-276-0271 or visit the website.
South Carolina Insurance Department
For the latest updates from the South Carolina Department of Insurance, you can call 1-800-768-3467 or visit the website. This department is also sometimes known as the South Carolina Life Insurance Commission.
You can also obtain up-to-date information on any agent or entity’s South Carolina insurance verification, including if they need a South Carolina insurance license renewal, and obtain a copy of a South Carolina insurance license. Print or email options are likely available.
Here, you can access the South Carolina Department of Insurance license lookup as well. This South Carolina life insurance license lookup will ensure you are choosing a licensed company.
South Carolina life insurance license requirements are strict, and everyone selling life insurance has to pass the South Carolina life insurance exam. Making sure you choose a licensed company protects you.
Life Insurance – S.C. PEBA
The South Carolina Public Employee Benefit Authority is another organization that is responsible for the oversight of South Carolina insurance for public employees.
Similar to the South Carolina Department of Insurance, the SC PEBA is a state-run agency. They have a greater focus on providing insurance to retired South Carolina residents. They offer basic, optional, and dependent life insurance.
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Which companies provide life insurance in South Carolina?
There are plenty of life insurance providers in SC. Below is a list of some of the best life insurance companies in South Carolina.
American General Life Insurance Company
Fidelity Life Association
Haven Life / MassMutual
John Hancock Life Insurance Company
Lincoln National Life Insurance Company
Metlife Life Insurance Company
North American Company for Life & Health Insurance
Pacific Life & Annuity Company
Principal Life Insurance Company
Protective Life Insurance Company
Pruco Life Insurance Company (Prudential)
Sagicor Life Insurance Company
Transamerica Life Insurance Company
United of Omaha Life Insurance Company
As you can see, there are plenty of options for you to buy South Carolina life insurance.
Life Insurance in South Carolina: The Bottom Line
South Carolina life insurance is affordable and easy to find. You can choose from most of the top life insurance companies in the United States. South Carolina life insurance offers a free look period, a grace period for non-payment, and a death benefit guarantee.
Curious about how much you’ll pay for South Carolina life insurance? Don’t wait — Use our free quote tool below to get affordable life insurance rates in South Carolina. Get started now.
Frequently Asked Questions
How do I get South Carolina life insurance quotes?
You can obtain South Carolina life insurance quotes by using our free quote tool. Simply enter your information, and we will provide you with quotes from several A-rated life insurance companies.
How much is life insurance in South Carolina?
The cost of life insurance in South Carolina varies based on factors such as age, marital status, and gender. You can refer to the chart on our website to get an idea of the rates offered by the best life insurance companies in South Carolina.
What is the South Carolina Guaranty Association?
The South Carolina Guaranty Association is an organization that protects policyholders and beneficiaries in the event of an insurance company’s insolvency. It ensures that coverage continues and claims are paid, up to defined limits, if an insurance company goes out of business.
Who do I contact about South Carolina life insurance?
For South Carolina life insurance claims and related matters, you can contact the South Carolina Life & Accident & Health Insurance Guaranty Association at 1-803-276-0271 or visit their website. You can also reach out to the South Carolina Department of Insurance at 1-800-768-3467 or visit their website for updates and information.
Which companies provide life insurance in South Carolina?
There are many life insurance providers in South Carolina. Some of the best life insurance companies in the state include American General Life Insurance Company, Banner Life Insurance Company, Fidelity Life Association, and more. You can find a comprehensive list on our website.
Your life insurance quotes are always free.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
