Life Insurance

Term Life Insurance provides the security that younger families and individuals need at a cost they can readily afford. At Term First USA we represent numerous Top "A" Rated life insurance companies. We are both independent and unbiased and gladly compare rates so that you can have true "Peace of Mind" about the life insurance company and policy that you select.

 For full details contact Tom at 843.251.5200 

Along the road of life our life insurance needs typically change as our children become adults and our financial needs for mid life and beyond become more focused. Unlike term products, "Permanent Life Insurance" is designed to last for the remainder of your life. At Term First USA,  we also represent many Top "A" Rated permanent life insurance companies that can provide you with genuine "Peace of Mind" for the long haul.

 For full details contact Tom at 843.251.5200 

As we enter into our senior years, people  tend to become increasingly aware that their time on earth is growing short. They are also typically aware that they need to tend to their final arrangements. "Final Expense" life insurance is a specific type of permanent life insurance that will provide for traditional funeral expenses, cremation, end of life expenses, remaining bills and of course, your final wishes. Term First USA represents many Top "A" Rated final expense life insurance companies that provide Simplified Issue and Guaranteed Issue final expense products, which have rates that will never increase!

 For full details contact Tom at 843.251.5200 

Unfortunately, there are numerous unexpected  life events that can adversely affect your insurability. All too frequently, people experience an illness, medical condition or injury that will prevent them from being able to qualify in accordance with traditional insurance company underwriting protocols. Fortunately, there are many highly reputable "A" Rated life insurance companies that offer "Guaranteed Issue" life insurance products. Term First USA is honored to assist you in obtaining the life insurance protection you need while providing you with the dignity and respect that you deserve.

 For full details contact Tom at 843.251.5200 

For the majority of people, childhood is the "healthiest" period of their life. When they are young, people often view themselves as healthy, vibrant, viral and hold the attitude that "nothing is going to happen to me". Nothing could be further from the truth. Case in point from personal experience ... our 26 year old son went off to work one morning in 2001, later that day he was seriously injured which left him permanently disabled and "uninsurable". Life insurance is extremely important at any age. Life insurance rates for children and young adults are in most instances incredibly inexpensive. Don't neglect giving your children and grandchildren one of the most significant gifts and blessings you could ever give them. We're here to help ... don't put it off. 

 For full details contact Tom at 843.251.5200 

Do you know what the #3 leading cause of death in America is? It's not what most people think. The statistical truth and reality is that it's "Accidental Death". Sure there are plane crashes and car wrecks, but those are just the most obvious and news worthy causes. Quite often, accidental death incidents happen right in the home. The good news is that the cost of an Accidental Death Life Insurance policy is in most cases dirt cheap. As I personally cited in the adjacent Children's overview ... just like my son, anything can happen to anyone on a moments notice. People all across our country go out the front door each morning, never to return home again. A sad and harsh reality. As first cited, the #3 cause of death are accidents. Don't take a chance on fate ... protect your family now. 

 For full details contact Tom at 843.251.5200