Insurance

We Shop Life Insurance Carriers for You

Unlike others who may show unrealistically low quotes just to encourage an application, our approach focuses on accuracy and best fit. What if you’re not in the best health, don’t have a strong family history of longevity, or have higher-risk hobbies or a less-than-perfect driving record? Which company will offer you the best pricing? Each company evaluates risk differently, so the best insurer for one person may not be the best for another. Our role is to identify the carrier most likely to offer you the strongest approval and pricing based on your unique situation.

To streamline the process, our agency coordinates the ordering of medical records and lab work and then releases the results to the insurer. This allows us to retain control of the documentation and share it with other carriers if needed, avoiding the need to start over. Because underwriting guidelines vary by company — directly impacting ratings and premiums — this flexibility can be especially valuable. For example, some insurers may view well-managed Type 2 diabetes more favorably than others.

What if you’re in excellent health, have a strong family history of longevity, enjoy low-risk hobbies, and maintain a great driving record? In a matter of minutes, we can shop multiple top-rated insurance companies on your behalf and provide you with accurate, competitive pricing options — helping ensure you receive the best value available for your strong health profile.

Example: For a 29-year-old male with a Preferred health rating, a 30-year level term policy (with the price locked in for the full 30 years) might look like:

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As your Certified Financial Planner™ Professional, I take the fiduciary consultative non-pressure approach. Working within the laws of North Carolina and South Carolina, I legally act as your agent to shop anonymously for you with top brand names like Allianz, American General, American National, Banner Life, Brighthouse, Equitable, Genworth, Lincoln National, John Hancock, MassMutual, Nationwide, Pacific Life, Penn Mutual, Protective Life, Prudential, Transamerica, United of Omaha, Zurich and more. Imagine being able to shop at these great insurance companies without dealing with a dozen different insurance agents calling and pressuring you. Plus, my comprehensive health questionnaire will significantly enhance the accuracy of your quote without having to apply at each company (Of course, pricing is not guaranteed until fully underwritten).

Types of coverages:

Annuities
Disability Insurance
Life Insurance
Long-Term-Care Insurance
Health Insurance

*As of 8/3/2022, these are the insurance carriers I work with; However, this list may change over time. Dustin B. LaPorte is a Certified Financial Planner™ professional and licensed insurance agent in South Carolina and North Carolina. Thus, this web page is intended only for South Carolina or North Carolina residents only. Dustin B. LaPorte, Certified Financial Planner™, has clients throughout the Carolinas (Charleston, Mount Pleasant, Goose Creek, Summerville, North Charleston, West Ashley, Myrtle Beach, Charlotte, and Asheville).