Your Local Independent Insurance Brokerage for Seniors in North and South Carolina
As you approach retirement or navigate your senior years, having the right insurance coverage is essential for your health, financial security, and peace of mind.
That’s where Palmetto Mutual comes in.
We are a local, independent insurance brokerage specializing in Medicare, life insurance, and additional coverage designed specifically for seniors.
Unlike large, national companies that treat you like just another number, we focus on personalized service tailored to the unique needs of seniors in North and South Carolina.
Why Local Matters
Many insurance agencies advertise coverage but don’t always understand the specific plans available in your area or the challenges seniors in our communities face.
At Palmetto Mutual, we live and work in your communities, so we understand how state-specific rules, local healthcare providers, and available insurance plans impact your choices.
Since 2018, we have helped thousands of seniors understand their options, ensuring they get the best possible coverage at the most affordable rates.
Whether you need a Medicare plan that includes your doctors, a life insurance policy to protect your family, or coverage for dental and vision care, we are here to guide you.
Unlike agents who work for a single insurance company, we are an independent brokerage, which means we work for you, not the insurance companies.
We compare multiple top-rated insurance providers to find plans that fit your needs and budget, ensuring you have unbiased options and the best possible coverage.
At Palmetto Mutual, you’re not just getting insurance—you’re gaining a trusted partner who puts your best interests first.
Our Services
At Palmetto Mutual, we understand that navigating insurance can feel overwhelming.
That’s why we simplify it by offering personalized guidance to help you find the right coverage for your needs.
Whether you’re looking for Medicare options, life insurance, or additional protection, we’re here to help you confidently make informed decisions.
Medicare Solutions
Medicare is essential for seniors, but Original Medicare (Parts A & B) doesn’t cover everything. That’s why we offer several Medicare solutions to help reduce out-of-pocket costs and provide additional benefits.
Medicare Advantage Plans (Part C)
For example, a Medicare Advantage plan might be a good choice if you need routine dental cleanings or eyeglasses because Original Medicare does not cover these benefits.
A Medicare Advantage plan combines your hospital (Part A) and medical (Part B) coverage into one easy-to-manage plan.
These plans include prescription drug coverage (Part D), dental, vision, hearing, and fitness benefits.
Medicare Supplement Plans (Medigap)
Medicare Supplement plans help fill the gaps in Original Medicare by covering co-payments, deductibles, and other costs that Medicare does not pay.
🏥 Lower Your Medical Bills – If you frequently visit doctors or specialists, a Medigap plan helps reduce or eliminate out-of-pocket costs, keeping your healthcare affordable.
🌍 Freedom to Choose Any Doctor—With Medigap, you can see any doctor nationwide who accepts Original Medicare, and no restrictive networks limit your options.
Medicare Part D (Prescription Drug Plans)
Medicare Part D plans help cover the cost of prescription medications, making them more affordable.
💊 Avoid High Medication Costs – Without a Part D plan, you may have to pay full price for prescriptions, which can be costly, especially for chronic conditions like diabetes or heart disease.
⚠️ Enroll on Time, Avoid Penalties—Delaying Medicare Part D enrollment can result in a lifelong late penalty, which will permanently increase your monthly premiums.
Special Needs & Dual-Eligible Plans
Some Medicare plans are designed for people with specific health conditions or those who qualify for both Medicare and Medicaid.
❤️ Personalized Coverage for Chronic Conditions – Chronic Condition Special Needs Plans (C-SNPs) provide tailored benefits for seniors managing diabetes, heart disease, COPD, and other ongoing medical needs.
💲 Extra Benefits for Those with Medicare & Medicaid – Dual-Eligible Special Needs Plans (D-SNPs) help seniors who qualify for both Medicare and Medicaid, offering lower costs and additional benefits for enhanced care.
Life Insurance & Final Expense Coverage
Life insurance provides financial security for your loved ones and helps cover end-of-life expenses.
Final Expense Whole Life Insurance
A simple and affordable whole-life insurance policy designed to cover funeral costs, medical bills, and any outstanding debts.
✅ Hassle-Free Coverage—Most policies are easy to qualify for, and no medical exam is required, so you can quickly get the protection you need.
🔒 Locked-In Security – Your premiums never increase, and your benefits never decrease, ensuring lifelong stability and predictable costs.
💙 Peace of Mind for Your Loved Ones – Final expense insurance helps ensure your family won’t face unexpected financial burdens, giving you confidence in the future.
A permanent life insurance option that NEVER expires as long as premiums are paid.
💰 Grow Your Financial Safety Net – Your policy builds cash value over time, which you can borrow against if needed for unexpected expenses.
🏡 Guaranteed Protection for Your Loved Ones – Provides a guaranteed death benefit to ensure beneficiaries receive financial support when needed.
Additional Coverage
Because healthcare needs go beyond Medicare and life insurance, we offer additional policies to help protect you from unexpected expenses.
Dental & Vision Plans
🦷 Medicare doesn’t cover routine dental care, dentures, or fillings—but our affordable plans help ensure you get the care you need.
👓 Vision exams and eyeglasses aren’t included in Medicare—we offer plans that help cover eye exams, new glasses, and more.
Cancer & Hospital Indemnity Plans
🎗️ Financial Protection When It Matters Most – Cancer insurance helps cover the costs of treatment, medications, and even travel expenses, so you can focus on recovery, not bills.
🏥 Cash Benefits for Unexpected Hospital Stays – Hospital indemnity plans provide lump-sum payments to help with hospital stays, ambulance fees, and recovery costs, giving you peace of mind during life’s most challenging moments.
The Companies We Represent
Palmetto Mutual, choosing the right insurance company is just as important as selecting the proper coverage.
That’s why we partner with the industry’s top-rated insurance providers, ensuring you receive reliable coverage from trusted and financially strong companies.
We proudly represent over 30 different insurance companies, which allows us to offer our clients a wide range of options.
Our expertise is helping seniors get approved for coverage, regardless of their medical history or current health.
We specialize in finding solutions that work, even if you have been previously denied coverage.
We work with leading insurance providers, including:
Comprehensive Medicare Advantage plans with extra benefits like dental, vision, and over-the-counter allowances help you save on everyday health expenses.
One of the largest Medicare providers, offering a wide range of Medicare Advantage and Supplement plans with large doctor networks for greater flexibility.
A well-respected name in Medicare, featuring plans with wellness incentives, gym memberships, and care coordination services to keep you healthy and active.
A trusted provider of Medicare Supplement (Medigap) plans and final expense whole life insurance, known for its financial stability and excellent customer service.
Offers Medicare Supplement, Medicare Advantage, and prescription drug plans with competitive pricing and comprehensive coverage options.
Specializes in supplemental insurance, including hospital indemnity, cancer coverage, and accident policies, providing financial relief for unexpected medical expenses.
At Palmetto Mutual, our clients are our top priority. We take pride in helping seniors find the right insurance coverage with honest guidance and personalized service.
But don’t just take our word for it—see what our satisfied clients have to say:
⭐ “Dvir made choosing a Medicare plan so easy. He explained everything and helped me find a plan covering my doctors and prescriptions.” – Mary R., Florence, SC.
⭐ “I was worried about how my family would handle my final expenses, but Dvir helped me get an affordable life insurance policy that gives me peace of mind. Highly recommend!” – James T., Myrtle Beach, SC
⭐ “I had no idea where to start with Medicare, but Dvir walked me through my options and helped me enroll in the best plan for my budget. So grateful for his help!” – Linda B., Darlington, NC
⭐ “Dvir answered all my questions and helped me find the perfect policy. I feel much better knowing I have great coverage.” – Lisa L., Lumberton, NC
⭐ “Dvir is extremely knowledgeable and patient. He answered all my questions and found the best plan for me.” – Elaine J., Sumter, SC
⭐ “I never realized how much I was overpaying until Dvir reviewed my plan. He saved me a lot of money, and I get better benefits now.” – Roger D., Florence, SC
⭐ “Dvir made everything simple. I was overwhelmed with Medicare choices, but he helped me make the right decision with ease.” – Carol N., Myrtle Beach, SC
⭐ “It’s rare to find someone genuinely caring about helping people. I highly recommend Dvir’s services.” – John P., Wilmington, NC
⭐ “Dvir helped me find an affordable final expense policy that covered everything I needed.” – Susan R., Florence, SC
⭐ “Dvir didn’t just sell me a plan. He educated me and gave me confidence in my choice. That made all the difference.” – Frank L., Marion, SC
⭐ “I thought I was stuck with my old Medicare plan, but Dvir showed me I had better options.” – Betty T., Fayetteville, NC
⭐ “Dvir truly listens to your concerns and finds the best solution. He’s patient, kind, and very knowledgeable.” – Henry K., Whiteville, NC
⭐ “I appreciate how Dvir explained everything without using confusing jargon. He made Medicare easy to understand!” – Patricia M., Lumberton, NC
⭐ “I highly recommend Dvir to anyone needing Medicare or life insurance help. He takes the time to make sure you’re taken care of.” – George B., Tabor City, SC
⭐ “Dvir went above and beyond to ensure I understood my Medicare options. I truly appreciate all his help.” – Nancy G., Greensboro, NC
⭐ “I was overwhelmed by all the choices, but Dvir made everything simple and found me a plan that works perfectly for me” – Patricia T., Georgetown, SC
⭐ “Dvir made sure I got the best coverage at an affordable price.” – Helen M., Hemingway, SC
⭐ “I had so many questions about final expense insurance, and Dvir answered every single one.” – Darlene S., Wilmington, NC
⭐ “I was hesitant to switch plans, but Dvir found me better coverage with lower costs. I wish I had called him sooner!” – Janice P., Myrtle Beach, SC
⭐ “Dvir helped me save hundreds of dollars a year with my medications. I can’t thank him enough!” – Richard L., Fayetteville, NC
⭐ “I appreciated that Dvir took the time to sit with me and explain every detail. He knows his stuff!” – Barbara K., Bennettsville, SC
⭐ “Dvir made this process easy. I was nervous about making the wrong decision, but he guided me every step of the way.” – Mark J., Moncks Corner, SC
⭐ “I highly recommend Dvir to anyone who needs help with Medicare. He’s honest, knowledgeable, and truly cares about his clients.” – Lisa R., Hampstead, NC
⭐ “Dvir was incredibly helpful. He is the best agent I’ve ever worked with.” – Charlene B., Bladen, NC
We value every client and are committed to providing exceptional service to ensure you feel confident in your insurance choices.
Let us help you find the coverage that fits your needs today!
Avoid the Confusion – Work with a Local Expert
Choosing the right Medicare or life insurance plan can feel overwhelming.
Many seniors turn to online enrollment tools like Medicare.gov or answer calls from pushy telemarketers—only to find themselves more confused than before.
These options may present a lot of information, but they don’t always make it easy to understand what’s best for your unique situation.
🖥️ Overwhelming Online Tools – Navigating online options can leave you with more questions than answers, making it challenging to find the right coverage.
📞 Call Centers Put Sales Over Service – Many agents read from a script and focus on quick sales rather than finding the best plan for your needs.
⚠️ High-Pressure Tactics = Poor Decisions – Rushed sales pitches can lead to costly mistakes, leaving you with coverage that may not fit your long-term needs.
At Palmetto Mutual, we take a different approach. As a local, independent brokerage, we work for you—not the insurance companies.
We take the time to listen, explain your options in simple terms, and make sure you feel confident in your decision. We aim to find the right coverage for your needs, not just sell you a policy.
Why Choose Palmetto Mutual?
🏡 Local Expertise, Personalized Advice – Get guidance from someone who understands the plans in your area, ensuring the best coverage for your needs.
💬 Real Conversations, No Sales Pressure – Speak with an experienced professional who listens to your concerns and provides honest answers—no pressure, help.
🔄 Support Beyond Enrollment – We’re here for you before, during, and after you enroll, helping with questions, renewals, and coverage changes whenever you need us.
🌍 Local Expertise You Can Trust – Specializing in Medicare and life insurance solutions for North and South Carolina seniors, tailored to your unique needs.
🤝 Personalized Service, Simplified Choices – We take the time to explain your options clearly so you can make informed decisions with confidence.
🔍 Independent & Unbiased Advice – As a brokerage, we work with multiple top-rated insurance companies, ensuring you get the best plan at the best rate—not just what one company offers.
📞 Face-to-Face or Phone Consultations – Whether in person across our field counties or over the phone statewide, we provide expert guidance wherever you are.
💰 No-Cost, No-Obligation Help – Our services are free, and we’re committed to finding you the most affordable and comprehensive coverage.
Choosing Palmetto Mutual means choosing clarity, expertise, and a team that genuinely cares about your coverage and peace of mind.
Ready to Take the Next Step?
Choosing the right insurance plan is a big decision, and we’re here to help you every step of the way.
Whether you have questions, need guidance, or are ready to enroll, we make the process simple and stress-free.
📞 Call us today for a free consultation 📍 Schedule a face-to-face appointment in your area 📩 Fill out our online contact form for more information