South Carolina Life Insurance

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South Carolinians have many options when purchasing life insurance, varying form large national companies like AIG and New York Life to companies such as Companion Life and Liberty Life, both which have headquarters in South Carolina Consumers can check the license of any insurance company operating in South Carolina here.

South Carolina Offices Responsible for Life Insurance

The South Carolina Department of Insurance (SCOID) describes its mission as "the protection of consumers, the public interest, and the insurance marketplace" through the maintenance and regulation of the insurance industry. The Department of Insurance publishes a consumer guide that includes information about how much life insurance a person needs and what kinds of life insurance are available. The Department also accepts consumer complaints via an online complaint form.

The South Carolina laws regarding insurance are recorded under Title 38 of the State’s Code of Laws. Chapter 63 of this title contains articles on provisions, policy forms, and the standard nonforfiture law for individual life insurance. Chapter 65 deals with those same articles for group life insurance.

Life Insurance for State Employees

Employees of the state of South Carolina, their spouses and their children are eligible for life insurance. Those enrolled in the State Health Insurance plan receive $3,000 of life insurance with no premiums. There are a number of other options for school, university, and other state employees for higher amounts life insurance coverage, including plans through Aflac, AIG and American-Amicable. Monthly premiums apply - the amount depending on the age of the insured person and the amount of coverage.

Contacting the SCDOI