Get a Quote | (803) 791-1120 | Claims
  • About
    • Meet the Team
    • History
    • Photo Gallery
    • Companies
  • Insurance Services
    • Individual/Family Insurance
    • Business Insurance
    • Professional Liability
    • Bonds
    • Life, Disability & Long Term Care
  • Testimonials
  • Blog
  • Get a Quote
    • Visit Us
    • Get a Quote
    • Payments
    • Claims
  • About
    • Meet the Team
    • History
    • Photo Gallery
    • Companies
  • Insurance Services
    • Individual/Family Insurance
    • Business Insurance
    • Professional Liability
    • Bonds
    • Life, Disability & Long Term Care
  • Testimonials
  • Blog
  • Get a Quote
    • Visit Us
    • Get a Quote
    • Payments
    • Claims

Life, Disability & Long Term Care

Life Insurance

Life is unpredictable, and a premature death can leave loved ones with debt and uncertainty about their future that they may not be equipped to handle.  Life insurance, aka the most un-selfish product one can buy,  can help solve this problem and give you peace of mind that if the unthinkable were to happen to you, then your family would have the financial capability to pay off debt and may even have money for the future.

Life insurance comes in various forms, including the three types below.

Term Life
This type of life policy provides a set death benefit amount for a specified period of time (i.e. $10,000 for 10 years). Term life is used to cover short-term needs such as mortgage, education expenses, and other debt obligations. These policies have no cash value.

Whole Life
This type of life policy provides a set death benefit amount for the lifetime of the insured as long as premiums are paid. Premiums are usually fixed based on the age of issue and usually do not increase with age.  These policies do accumulate a cash value.

Universal Life
This type of life policy provides a flexible death benefit amount and flexible premium to adjust to your ever-changing life needs.  These policies do accumulate a cash value.

Note: Although some policies do accumulate a cash value, life insurance policies are not financial investment products and do not make a good investment for that reason. See our blog for some more useful information on Life Insurance.

Disability

Long-term disability insurance helps replace some of your earned income for a period of time when you are unable to work at all or can only work a reduced schedule due to a qualifying disability.  We know what you are thinking, I’m healthy; there’s no way I will become disabled.  But the statistics are there to prove the contrary…Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire.1  You buy life insurance to protect your family if you pre-maturely pass away, maybe consider disability insurance to protect your family if you get hurt.

1U.S. Social Security Administration, Fact Sheet February 7, 2013.

Long Term Care

Long Term Care (LTC) insurance helps protect your finances from being depleted to pay for what is often very expensive in-home or facility care. LTC insurance provides a daily benefit amount (ranging from $50 to $250) that lasts for a chosen benefit period (usually 2, 4, 6, or 10 years) but only after a chosen waiting period (usually 30, 60 or 90 days) is met. The daily benefit amount may be reduced depending on where the care is received and the policy form selected.

See our Blog for some more useful information and some popular myth debunking!

NOTE: This list is not exhaustive. You should always meet with a qualified insurance professional to truly identify which coverages are important to protect yourself and your loved ones.

Comments Box SVG iconsUsed for the like, share, comment, and reaction icons

This week we have some articles on cars for your reading pleasure!

Have you ever thought about getting a hybrid car? If so, here are some pro/cons to help you on your way to making that decision!

Happy reading:
travl.rs/3EZpA1q

#hybrid #whatshouldiget #beintheknow #knowledgeispower #brightideas #savemoney #electiccars #ProsCons #happyreading #BeSmart #livingstoninsurancesc
... See MoreSee Less

2 days ago
This week we have some articles on cars for your reading pleasure!

Have you ever thought about getting a hybrid car?  If so, here are some pro/cons to help you on your way to making that decision! 

Happy reading: 
https://travl.rs/3EZpA1q

#hybrid #whatshouldiget #beintheknow #knowledgeispower #brightideas #savemoney #electiccars #proscons #happyreading #besmart #livingstoninsurancesc
View on Facebook
· Share
Share on Facebook Share on Twitter Share on Linked In Share by Email
View Comments
  • Likes: 0
  • Shares: 0
  • Comments: 0

Comment on Facebook

Fun Friday Photo!

#5turkeysinarow #doyouseethem #hideandseek #camouflage #nature #whendoesthiseverhappen #thisiscolasc #weloveourtown #birdsofafeatherflocktogether #funtimes #funfridayphoto #livingstoninsurancesc
... See MoreSee Less

5 days ago
Fun Friday Photo!

#5turkeysinarow #doyouseethem #hideandseek #camouflage #nature #whendoesthiseverhappen #thisiscolasc #weloveourtown #birdsofafeatherflocktogether #funtimes #funfridayphoto #livingstoninsurancesc
View on Facebook
· Share
Share on Facebook Share on Twitter Share on Linked In Share by Email
View Comments
  • Likes: 0
  • Shares: 0
  • Comments: 0

Comment on Facebook

Earlier this week, we answered questions like: what is comprehensive and what is collision insurance?

Today, we'd like to shed some light on what an umbrella policy actually is. Umbrella Insurance policies have little to do with rain and they are something that many people do not think they need--BUT after reading this blog article we wrote, you might change your mind!

Read up here:
bit.ly/3MAUpMq

#knowledgeispower #beintheknow #Goodstufftoknow #insurance #whatisanumbrella #UmbrellaPolicy #worksmart #doineedthis #helpfulhints #smartstuff #wisdom #livingstoninsurancesc
... See MoreSee Less

1 week ago
Earlier this week, we answered questions like: what is comprehensive and what is collision insurance? 

Today, wed like to shed some light on what an umbrella policy actually is. Umbrella Insurance policies have little to do with rain and they are something that many people do not think they need--BUT after reading this blog article we wrote, you might change your mind! 

Read up here:
https://bit.ly/3MAUpMq

#knowledgeispower #beintheknow #goodstufftoknow #insurance #whatisanumbrella #umbrellapolicy #worksmart #doineedthis #helpfulhints #smartstuff #wisdom #livingstoninsurancesc
View on Facebook
· Share
Share on Facebook Share on Twitter Share on Linked In Share by Email
View Comments
  • Likes: 2
  • Shares: 0
  • Comments: 0

Comment on Facebook

Sometimes we need simple answers to simple questions. Well, we have it!
Basic questions that one might ask are:
What exactly IS comprehensive insurance? And what exactly IS collision insurance? What's the difference?

Auto Owners, one of our great carriers, has some simple and straight answers right here: bit.ly/37RtVav

#happyreading #simple #shortandeasy #beintheknow #smartcookie #helpfulthingstoknow #wisdom #BeWise #thingstoknow #helpmeunderstand #livingstoninsurancesc
... See MoreSee Less

1 week ago
Sometimes we need simple answers to simple questions. Well, we have it! 
Basic questions that one might ask are: 
What exactly IS comprehensive insurance? And what exactly IS collision insurance?  Whats the difference? 

Auto Owners, one of our great carriers, has some simple and straight answers right here:  https://bit.ly/37RtVav

#happyreading #simple #shortandeasy #beintheknow #smartcookie #helpfulthingstoknow #wisdom #bewise #thingstoknow #helpmeunderstand #livingstoninsurancescImage attachmentImage attachment
View on Facebook
· Share
Share on Facebook Share on Twitter Share on Linked In Share by Email
View Comments
  • Likes: 0
  • Shares: 0
  • Comments: 0

Comment on Facebook

Fun Friday Photos!

#Teamsters #dressalike #wedidnotplanthis #livingstoninsurancescneverlookedsogood #wearthelogo #represent #bestteam #bestdressed #funtimes #weekendherewecome #livingstoninsurancesc
... See MoreSee Less

2 weeks ago
Fun Friday Photos! 

#teamsters #dressalike #wedidnotplanthis #livingstoninsurancescneverlookedsogood #wearthelogo #represent #bestteam #bestdressed #funtimes #weekendherewecome #livingstoninsurancesc
View on Facebook
· Share
Share on Facebook Share on Twitter Share on Linked In Share by Email
View Comments
  • Likes: 9
  • Shares: 0
  • Comments: 0

Comment on Facebook

Load more
© Copyright 2019 Home, Auto, & Business Insurance | SC | Livingston Insurance. All Rights Reserved.
File a Claim