Life Insurance
Life insurance provides financial protection and peace of mind for South Carolina families and businesses. Our role is to help you understand your options clearly and choose coverage that fits your goals.
Start Your ConversationThis website is a solicitation for insurance.
Find Your Fit
Answer a few quick questions to discover what kind of coverage might be right for you.
Who are you looking to protect?
Do you already have life insurance coverage?
Would you like a free consultation to explore your options?
Based on your answers, a short conversation can help match your goals with the right coverage options.
Schedule My ConsultationLearn & Explore
Understanding how life insurance works helps you make confident decisions for your family, business, and future.
Compare Term and Whole Life Insurance
Term Life Insurance
- Covers you for a specific number of years, such as 10, 20, or 30
- Often the most affordable option for families or new homeowners
- Ideal for covering temporary financial responsibilities like a mortgage or raising children
Whole Life Insurance
- Designed to last a lifetime, as long as premiums are paid
- Includes a savings component known as “cash value” that can grow over time
- Typically costs more but offers lifelong protection and financial flexibility
How Age Affects Cost
Life insurance is generally more affordable when you start younger. The chart below shows a sample trend for a healthy non-smoker purchasing a 20-year term policy.
Life Insurance Is for Everyone
From young professionals to retirees, coverage can fit any stage of life or budget.
Protect Income and Dreams
It replaces income, helps with debts, and protects long-term goals like education or retirement.
Flexibility for Businesses
Business owners can use insurance for key-person coverage or succession planning.
Start with a Conversation
If you would like to learn more about life insurance or explore how coverage could fit into your financial planning, we invite you to reach out. Every client we work with receives guidance tailored to their goals, budget, and peace of mind.
A consultation is not an application for insurance and does not guarantee coverage.
Request a ConsultationAshley River Benefits Group is not an insurance company. We operate as a marketing name affiliated with Lloyd Agencies LLC, a licensed insurance agency. Insurance products are offered through Lloyd Agencies LLC and its appointed carriers. Jordan Bardsley is a South Carolina licensed life insurance producer (SC License #22049991). This website is a solicitation for insurance. Information provided is for educational purposes and does not constitute legal or tax advice. Policy provisions govern all coverage.
South Carolina Roots, Real People, Real Guidance
Ashley River Benefits Group proudly serves families and business owners across South Carolina. We’re local, accessible, and dedicated to helping our neighbors protect what matters most.
Let’s talk through your options and build the right plan for you.
Talk with Jordan