Protect the people you love. Leave a legacy, not a burden.
We help South Carolina families and business owners find the right life insurance at the right price — comparing options from multiple carriers, explained in plain English, with no pressure.
Coverage
Insurance that fits your life and your budget
Every family's situation is different. We'll walk you through the options and build coverage around what you actually need.
Term Life
Affordable protection for the years your family relies on your income most — 10, 20, or 30-year terms.
Whole Life
Permanent coverage with guaranteed premiums and cash value that grows over time — protection that lasts a lifetime.
Indexed Universal Life
Flexible permanent coverage with cash-value growth potential linked to a market index, with downside protection.
Mortgage Protection
Keep your family in their home. Coverage designed to pay off the mortgage if you're no longer there to.
Final Expense
Simple, affordable whole life policies that cover funeral costs and final bills — so loved ones never carry them.
Business & Key Person
Protect your business with key person coverage and buy-sell funding built around your succession plan.
How it works
Three steps to peace of mind
No jargon, no hard sell. Most families have coverage in place within a week or two.
Talk with an agent
A short, friendly conversation about your family, your goals, and your budget — by phone or video, on your schedule.
Compare your options
We shop multiple A-rated carriers and bring you side-by-side options with honest recommendations.
Get covered
We handle the application and stay your point of contact for the life of the policy — reviews, changes, and claims support.
About us
An independent agency that puts families first
Coastal Legacy Insurance Group was founded on a simple idea: life insurance should be easy to understand and built around the person buying it — not the company selling it.
As an independent agency serving families across South Carolina, we're free to compare coverage across many carriers and recommend what's genuinely best for you. Our agents take the time to explain every option, and we're still here after the policy is issued.
Our promise
- Straight answers to every question
- Recommendations based on your needs, never quotas
- Your information stays private — always
- A real person to call, for the life of your policy
Questions
Straight answers to what people ask most
If your question isn't here, ask us — we'd rather over-explain than have you guess.
How much life insurance do I actually need?
A common starting point is 10–12 times your annual income, adjusted for your mortgage, other debts, future education costs, and any coverage you already have through work. We'll walk through the math with you — there's no single right answer, and we'd rather build the number around your situation than a rule of thumb.
What's the difference between term and whole life?
Term life covers you for a set period — usually 10, 20, or 30 years — and costs less because it expires. Whole life covers you for your entire life, has a level premium, and builds cash value you can borrow against. Many families use term for the years their income matters most, sometimes alongside a smaller permanent policy.
Do I have to take a medical exam?
Often, no. Many carriers now offer accelerated underwriting that skips the exam for qualifying applicants, and there are guaranteed- and simplified-issue policies for people with health conditions. We'll point you toward the carriers most likely to approve you without one.
Can I get coverage with a pre-existing condition?
Usually yes. Carriers evaluate conditions very differently from one another — one may decline where another offers standard rates. That's the practical advantage of working with an independent agency: we know which carriers look favorably on which conditions, and we shop accordingly.
What does it cost to work with you?
Nothing. We're compensated by the insurance carrier when a policy is issued, so our guidance, quotes, and ongoing service are free to you. Your premium is the same whether you buy through us or directly from the carrier.
How long does the whole process take?
Quotes usually come back the same day. From application to an issued policy is commonly one to three weeks, and can be as fast as 24–72 hours with accelerated underwriting. We handle the paperwork and keep you posted at each step.
Contact
Get your free, no-obligation quote
Tell us a little about yourself and we'll come back with real numbers — usually within one business day.
Prefer to talk?
Some things are easier said than typed. Call or text and you'll reach a licensed agent, not a call center.
Requesting a quote is free and carries no obligation. We never sell your information.