Protect what matters most with The Davies Agency - Family First Life Insurance. We are an insurance agency in Charleston, SC, helping families and businesses find better life insurance coverage for their lifestyle needs. With over 20 years of financial services experience, we advise clients on the best ways to use life insurance to meet their financial goals
Not sure what type of coverage you need? We are here to help. Call us at (843) 936-1170 or fill out the form below to get started!
Life Insurance For Families and Small Businesses
The importance of having an all-encompassing life insurance plan that accounts for your lifestyle has never been more critical. With so many insurance agencies and plans available, it can be confusing and overwhelming to know what the best coverage is for your specific situation.
That's where we come in. We listen to our clients needs, wants, and financial goals to provide personalized recommendations based on what kind of plan and carrier will encompass the best solution.
We provide families and businesses in Charleston with the life insurance plans they need to have greater peace of mind.
We Specialize In:
- Life Insurance for families and small businesses, including Term, Whole, Universal, Accidental Death, Critical Illness, Buy/Sell Agreements and Key Person Insurance
- College Planning, such as Indexed Universal Plans versus 529s
- Tax Free Retirement Planning, including High-Cash Accumulation and Whole-Life Policies
- Guaranteed Lifetime Income, including Annuities and Indexed Universal Plans
College Planning Through Life Insurance: Are You Educated on All of Your Options?
The most well-known way to save for college and other higher education is through a special savings account called a 529 plan. This isn’t a bad option since it offers tax benefits.
However, a significant drawback to a 529 plan is that colleges consider it when deciding on financial aid. This means your child could receive less financial aid than you might otherwise need. There are also limitations on how much you can earn and what the money can be used for.
There are other options out there that many parents don't know about that offer greater benefits with less restrictions. We are passionate about educating parents on all of their options to save for college and beyond.
Plan For The Future With
A Fixed Indexed Annuity
The retirement phase of life has increased significantly over the years as people are retiring earlier and living longer. How much money is enough? That depends entirely on the lifestyle you want to live. What experiences and adventures have you dreamed of during your working years?
Are you maximizing the available resources to build your nest egg? Do you understand the tax implications of retirement income and how best to mitigate higher taxes? Let us review your plan with you and set you on a path for the retirement of your dreams.