Insurance
Financial security is planned! We can help you create financial security today, for tommorrow, and for future; planning it starts here. Insurance, Health, Accident, Life, Property, Business, Auto, Retirement financial security. We offer many national issuers; financially sound life, health, property, business, boat and auto insurance companies at competitive pricing and policy options. Charleston SC
Insurance: Health, Life, Home, Auto, Business insurance from highly rated companies. Risk is an option, protection is a choice you have. Plan it.
Health Insurance: Keep your family healthy and protected with Building Financial Strength. We offer a range of health insurance policies to cover your family's medical needs. Insurance plans including, ACA, Medicare, individual health, family, group health, short-term disability and accident policies. Also offering during ACA open enrollment period and throughout the year. Insurance costs has been rising since the covid–19 pandemic. As cost of healthcare rises, your out-of-pocket costs adjusted for inflation. We recommend everyone should consult with the help of a licensed Health-care Insurance professional. Since 2000, the price of medical care, including services provided as well as insurance, prescription drugs, and medical equipment, has increased by 114.3%. In contrast, prices for all consumer goods and services rose by 80.8% in the same period. In 2022 U.S. healthcare spending reached $4.5 trillion, which averages $13,493 per person.
Life insurance: Most people under estimate the importance of having financial security in times of a loss of a loved one, especially, if the person is the only income earner. Some employers offer life insurance to their employees but usually it is capped at $50,000. Life insurance is not transferrable and becomes inactive if the employee loses or changes jobs. To prevent a financial difficulty and decline in quality of income security, we strongly recommend people to secure against an unexpected outcome of losing financial security for their family and dependents. We offer affordable life insurance options from many respectable, sound insurers to fit all budgets.
Property and Casualty: Insurance is a protection against an unforeseeable loss. Having security to make one a whole, again. Thus, home and auto coverages are available for individuals, families with teen drivers, businesses (commercial lines for business operators.) Highly recommend liability insurance against a lawsuit in case of an occurrence on your property or business. You can be sued against any property loss of your visitor or accidents occurs on your property not caused directly or indirectly by you. For most people with teen drivers it is wise to get Umbrella policies to cover excesses of liability on Home and auto policies.
Business Owners/Operators Insurance: Owners and operators of any type of business should have a strong Business Liability policy. Businesses face wide variety of challanges, whatever your business operation is, it is more than likely we can help meet your insurance needs. Just let us know.
Retirement Planning: Most Americans rely on social security benefits upon retiring. The question is, can you afford to live on government managed benefits that adjusts each year with inflation COLA, (cost of living adjustment)? BLS-bureau of labor statistics announces in December the change. Average monthly social security benefit is approximately $1600.00 and average cost of living for an American at retirement age at 65 is over $4500, for 2023. This is far less than a retiree would be able to afford quality of life. Sustaining a level of financial security should be upto the individual. Thus, long term future planning is part of preparing during active working years. This is a reality for all of us. Starting to save early for our Golden years to have independence and freedom to quality of life. We are professionals and have resources, guidance and knowledge to help you for the future.
