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Palmetto Mutual is an independent insurance brokerage specializing in helping seniors navigate Medicare, Final Expense Life Insurance, and additional senior benefits such as Dental, Vision, Hearing, and Critical Illness coverage.

Originally founded in the Carolinas, our local roots have blossomed into a nationwide reach while maintaining our hallmark of friendly, personalized service.

At Palmetto Mutual, we believe in honest conversations—not gimmicks or robocalls.

Our licensed experts listen carefully, answer your questions clearly, and guide you toward coverage tailored to your health needs, budget, and lifestyle.

We simplify complicated insurance decisions so you can focus on what matters most—enjoying your retirement years with confidence and peace of mind.

Learn More About Us ➔

What Our Clients Are Saying

Real Seniors. Real Stories. Real Peace of Mind.

Marvetta Gilbert

20:38 08 May 25

Dvir did a great job helping me with my insurance! He was able to increase my food benefits with Medicare and help me lower my life insurance cost. I recommend him to anyone who needs help. 5 stars!

Eva Horrell

17:41 07 May 25

It was wonderful to sit with Dvir to sign up for my Medicare plan. He is very knowledgeable and patient and very helpful and took the time to explain everything. Thank you!

Debbie Edwards

18:54 06 May 25

Dvir did a great job helping me review my current coverage and see what's available for me to increase. Highly recommended!

Victoria Collins

19:40 05 May 25

I've been working with Dvir now for a few years now and I couldn't be happier. I highly recommend him to anyone needing help with their insurance!

Joe Smith

19:34 30 Apr 25

I was able to understand my current insurance situation and the current options available to me and I'm very happy that Dvir was able to help me with that.

Margaret Smith

19:34 03 Apr 25

I'm very appreciative that Dvir helped me update my Medicare plan. I recommend him to everyone that needs help with their insurance.

Johnny Rhodie

18:42 03 Apr 25

I'm very happy with Dvir's help! He was able to lower my life insurance premium and being on a fixed income that helped me a lot. So I thank him for all his help!

Shirley Stevens

17:47 02 Apr 25

Dvir helped me get first day coverage life insurance for me and my family. I'm very grateful for all his help and that he's always there when I have a question to ask him.

Brenda Moore

18:04 31 Mar 25

Dvir was very helpful helping me update my Medicare plan. I was able to get more benefits without having to change companies.

James Bowen

21:28 25 Mar 25

Dvir was very good and helpful and I thank him for helping me with my insurance.

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How We Can Help

Senior couple sitting at an outdoor table with a smiling insurance agent, reviewing information on a tablet in a park-like setting.

At Palmetto Mutual, we understand every senior has unique insurance needs.

Whether you’re exploring Medicare options, seeking life insurance to protect your loved ones, or looking to secure your retirement savings and healthcare costs, we’re here to simplify the process.

Below, you’ll find straightforward summaries of our primary insurance services. Click “Learn More” under any category to explore detailed, helpful information tailored specifically for you.

Medicare Plans

Smiling senior couple sitting at a table with a professional advisor, reviewing Medicare information on a laptop in a warm, modern setting.

Palmetto Mutual simplifies Medicare, guiding seniors through Medicare Advantage, Medigap (Supplemental Plans), Prescription Drug Plans (Part D), and additional benefits like dental, vision, and hearing coverage.

Let us help you choose the right plan to match your health needs and budget.

Learn More About Medicare Plans ➔

Final Expense Life Insurance

Smiling senior couple sitting on a couch together, flipping through a photo album in a cozy living room filled with natural light and loose family photos on the table in front of them.

Protect your loved ones from unexpected financial burdens with affordable, day-one Final Expense Life Insurance.

Palmetto Mutual specializes in helping seniors secure immediate coverage without confusing policies or hidden costs, giving you peace of mind today.

Learn More About Final Expense Coverage ➔

Dental, Vision & Hearing Coverage

Three-panel image of senior adults receiving care: a smiling man during a dental exam, a woman trying on new eyeglasses, and another woman adjusting a hearing aid, illustrating dental, vision, and hearing support for seniors.

Good dental, vision, and hearing coverage are essential for your quality of life during retirement.

Palmetto Mutual offers affordable standalone plans designed specifically for seniors, ensuring you stay healthy, active, and connected.

Learn More About Dental, Vision & Hearing ➔

Critical Illness & Hospital Indemnity Insurance

Smiling senior man sitting in a hospital bed chatting with a friendly nurse, both laughing in a sunlit patient room, symbolizing comfort and support during hospital recovery.

Serious health events can strike without warning—but the financial fallout doesn’t have to.

At Palmetto Mutual, we offer affordable supplemental insurance that pays cash benefits directly to you if you’re hospitalized or diagnosed with cancer, a heart attack, or stroke. These plans are designed to help cover:

Hospital stays
Copays and deductibles
Out-of-pocket medical bills
Lost income or travel for treatment

Whether you’re recovering at home or receiving extended care, our policies help ensure your savings and peace of mind stay protected.

Explore Critical Illness & Hospital Indemnity Plans ➔

Find Insurance Options by State

Flat-style illustration of a senior couple smiling with a friendly insurance agent as they review a U.S. map on a table, representing personalized insurance guidance by state.

Every state has unique insurance plans, pricing, and eligibility details.

At Palmetto Mutual, we make finding the right coverage easy by providing clear, state-specific guides covering Medicare, Final Expense Life Insurance, Dental, Vision, Hearing, and other senior benefits.

Click your state below to see tailored plans, rates, and expert recommendations:

[ALABAMA] [ARKANSAS] [FLORIDA] [GEORGIA] [INDIANA] [KENTUCKY] [MICHIGAN] [NORTH CAROLINA] [OHIO] [PENNSYLVANIA] [SOUTH CAROLINA] [TENNESSEE] [TEXAS] [VIRGINIA] [WEST VIRGINIA]

Palmetto Mutual is licensed in the 15 states listed above and continually expands. If your state isn’t listed, contact us — we may still be able to help and can prioritize licensing for your area.

Why Seniors Choose Palmetto Mutual

Smiling African American senior couple sitting with a Palmetto Mutual insurance agent at a patio table in a sunny backyard, reviewing Medicare and life insurance options on a laptop.

Choosing insurance shouldn’t feel overwhelming—or like you’re being sold something you don’t need. At Palmetto Mutual, we believe in conversations, not sales pitches. Here’s why thousands of seniors trust us to help them make smart, stress-free decisions:

✅ No robocalls or high-pressure tactics
You’ll speak with a licensed expert, not a call center script.

✅ Real people who listen
We take the time to understand your health, budget, and goals—then guide you toward the best fit.

✅ Plans that fit your lifestyle and wallet
Whether you’re retired on a fixed income or still working part-time, we help you find affordable coverage that makes sense.

✅ Local roots with national reach
We started in the Carolinas but now help seniors across the U.S.—while keeping our small-town, neighborly approach.

✅ Free help, every step of the way
There’s no cost to speak with us and no obligation to enroll. Just real help from people who care.

Get Free Help Now ➔