Rock Hill & Simpsonville, SC

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Life Insurance in Rock Hill & Simpsonville, SC

Life insurance gives your family financial security by offering a financial disbursement in the event of your death. By getting life insurance, you are protecting your family from dealing with an unexpected financial burden during a time when they need help and care the most. 

Our life insurance advisors at CIIG are highly qualified to help you get the best life insurance coverage to protect your family and give you peace of mind. Contact us today to see why we’re the best place to get life insurance in Rock Hill and Simpsonville, SC.

What is Life Insurance?

When you buy life insurance, you enter into a contractual agreement with a life insurance company, denoting that they will pay your survivors a predetermined amount of money when you die. This amount is sometimes referred to as a death benefit, and it can help your survivors pay for final expenses and cover the loss of your income. There are a few different types of life insurance policies that you can choose from, depending on your situation and needs.

Why Should I Get Life Insurance?

Nobody likes to think about the end of their life, but it’s important to consider how your family will be impacted financially upon your death. Life insurance can provide your family with money to pay for your final expenses. It can also ensure that your family will be financially stable after losing your income.


Parents should get life insurance to make sure their children are provided for in the event of death. However, they are not the only people who benefit from life insurance. We believe everyone should get life insurance, whether you have dependents or not. 


In some cases, young adults will get life insurance to lock in low premiums and to ease their parents’ financial burden if they have cosigned for a loan. Aging parents often get life insurance as a way to pay their adult children back for the time they spent caring for them. There are all kinds of reasons to get life insurance, no matter what stage of life you are in.

Types of life insurance

These are the five main types of life insurance available. Speak with one of CIIG’s life insurance advisors today to figure out which one makes the most sense for you.

This protection is only valid for a certain amount of time. Term life insurance covers short-term needs and offers a path for you to get permanent coverage. 


This type of life insurance policy will grow along with you and is guaranteed to be there whenever you need it. With whole life insurance, your policy builds cash value. A significant benefit of whole life insurance is that you can access it any time, for any reason, which can help you add to your retirement savings.


This offers long-term life insurance without accumulating cash value. You can adjust your premiums and benefits as you go, making this a flexible long-term option.


With lower premiums than whole life insurance, guaranteed universal coverage is a long-term life insurance option that does not build cash value over time.


Similar to universal life insurance, variable life insurance is a long-term solution. It gives you investment options that can allow your policy to grow in cash value over time.


FAQ About Life Insurance

What do I need to do to get life insurance?

To qualify for life insurance, you will need to undergo a health evaluation. This is why many young adults choose to get life insurance, even if they don’t have dependents. Your life insurance premiums will be lower when you are young and healthy, so it’s a good idea to get life insurance as soon as possible to lock in a low rate. 

How old do I need to be to get life insurance?

There’s no such thing as too young or too old to get life insurance. Younger adults tend to be healthier and can usually get lower premiums than older adults. However, don’t let that stop you from getting coverage if you are past your 20s. Start your life insurance coverage as soon as possible to maximize your investment.

Do I need a separate life insurance policy if my employer offers one?

Many employers offer life insurance as part of their benefits packages, which is great for employees. However, these policies often leave gaps and do not provide the full coverage that an individual policy can for your survivors. Plus, the life insurance coverage often goes away once you are no longer employed at that company. 


Give your family financial security after your passing with a life insurance policy. Talk to one of our advisors today to see what type of life insurance coverage will work best for you.


Please feel free to reach out with any questions you may have regarding services or for a free quote. Thank you!