A common starting point is 10–12 times your annual income, though your actual need depends on your debts (especially your mortgage), number of dependents, spouse's income, and future obligations like college tuition. Our agents can run a quick needs analysis at no cost. For most Greenville-area families, a $500,000–$1,000,000 term policy is surprisingly affordable and covers most scenarios.

Term life covers you for a set number of years (10, 20, 30) and expires. If you outlive the term, there is no payout and no cash value — but the premiums are much lower. Whole life is permanent; it never expires and builds a cash value you can borrow against. For pure income replacement, term is usually the better value. For estate planning or legacy purposes, permanent coverage often makes more sense. Many families actually benefit from having both.

Yes — though options and rates vary based on the condition. Some health issues result in a higher premium (rated policy), while others may require a graded benefit period or simplified-issue product like final expense insurance. As an independent agency we work with multiple carriers, which means we can often find coverage even when a single-carrier agent cannot. The best approach is to let us shop on your behalf so we can identify which carrier will view your health profile most favorably.

In most cases, the death benefit your beneficiaries receive is completely income-tax-free. However, there are situations — such as large estates or certain policy ownership structures — where estate taxes may apply. The cash value inside a permanent policy also grows tax-deferred. For complex estate or business situations, we recommend working alongside a financial advisor or CPA, and we're happy to coordinate with your existing advisors.

We recommend looking at a carrier's financial strength rating (A.M. Best, Moody's, S&P) — you generally want A- or better. Because Priority Insurance is an independent agency, we work with multiple highly-rated companies and are not tied to any single carrier. We'll show you the options and explain the differences so you can make an informed decision with confidence.

Yes. We serve all of Upstate South Carolina — including Spartanburg, Greer, Mauldin, Simpsonville, Taylors, Fountain Inn, and surrounding communities — as well as clients in North Carolina. Whether you prefer to meet in person, over the phone, or handle everything online, we make the process easy regardless of where you are in the Carolinas.

The Chartered Life Underwriter (CLU) is the gold standard credential in life insurance — it requires completing eight college-level courses covering advanced insurance, estate planning, and financial planning concepts, plus a rigorous ethics commitment. The Chartered Financial Consultant (ChFC) goes even further, adding coursework in comprehensive financial planning, retirement income, and wealth management strategies. Both are awarded by The American College of Financial Services and represent some of the highest professional standards in the industry. For you as a client, it means the person guiding your life insurance decisions has genuine expertise — not just a sales license. You're getting counsel grounded in advanced education, not a product pitch.