Helping Seniors Across the Carolinas

Let us help you navigate Medicare, Final Expense, and more — with honest, local support from Columbia to Raleigh and everywhere in between.

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Palmetto Mutual is a local independent insurance brokerage that helps seniors across the Carolinas navigate Medicare, Final Expense Life Insurance, and other essential benefits, including dental, vision, hearing, and critical illness coverage.

We’re not a big national call center — we’re your neighbors. From Wilmington to Columbia and everywhere in between, our team comprises friendly, licensed experts who live and work right here in the Carolinas.

At Palmetto Mutual, we believe in straight talk and real help — no gimmicks, no robocalls.

We take the time to listen to your concerns, clearly explain your options, and help you choose a plan that suits your health, budget, and lifestyle.

Our goal is to take the stress out of insurance so you can enjoy your retirement with peace of mind and a little more breathing room.

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What Our Clients Are Saying

Real Seniors. Real Stories. Real Peace of Mind.

Ronald Hunt

Dvir from Palmetto Mutual made getting life insurance simple. Got me covered from day one with no delays. Great service! Highly recommended!

Nilka Lopez

Dvir from Palmetto Mutual helped me get life insurance with day one coverage. It was fast and easy and I feel so much better knowing I'm protected.

Jerry Lockler

Dvir and palmetto mutual helped me consolidate my life insurance policy so that i only have to worry about dealing with one company. I'm very happy that i sat down with him to go over my insurance. Recommended!

Dorothy Locklear

Dvir with palmetto mutual is very professional and I thank him for all his help!

Celia Gray

Dvir from Palmetto Mutual is very professional and very nice. He knows exactly what he's talking about and how to get the most benefit and coverage for his clients. I'm very happy with his service and for his help!

Terry Singletary

Working with Dvir and Palmetto Mutual has been a blessing. He took the time to explain my current coverage and found out I was on a 2 year waiting period. I had no idea! He helped me switch to a new plan that covers me from day one and I'm also now paying less! Highly recommended!!

Charles Hyatt

I had just taken out brand new life insurance and I was unaware that I had a two year waiting period on it. Dvir from palmetto mutual was able to sit down with me and go over my coverage and help me change it to day one coverage with a larger benefit amount as well. Thank you for all your help!

Israel Pollard

I had looked everywhere for day one life insurance. I found Dvir at Palmetto mutual and I’m so glad I did. He took care of everything and got me day one coverage right away and for a lot cheaper than I found on my own. I couldn’t be more thankful. If you need help finding life insurance talk with Dvir. You won’t regret it.

Tonya Register

I had the best experience working with Dᴠɪʀ! He not only helped me understand my medicare options clearly, but he also made sure I got more money added to my food card. He was kind patient and truly looked out for my best interest. I'm so thankful for his help!

Lois Jackson

Dvir was very knowledgeable. He did amazing helping straighten out my insurance situation. 5 stars!

How We Can Help

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

Whether you’re exploring Medicare options, looking for life insurance to protect your loved ones, or trying to safeguard your retirement savings and healthcare costs, we’re here to make the process stress-free and straightforward.

Below, you’ll find straightforward summaries of the coverage we offer. Click “Learn More” under any category to dive into helpful, easy-to-understand information made just for you.

Medicare Plans

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 select the ideal plan that suits your health needs and budget.

Learn More About Medicare Plans ➔

Final Expense Life Insurance

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.

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Dental, Vision & Hearing Coverage

Good dental, vision, and hearing coverage is 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 (Cancer, Heart Attack & Stroke) Insurance

Serious illnesses like cancer, heart attacks, or strokes can bring unexpected medical and financial challenges.

Palmetto Mutual offers Critical Illness Insurance designed to provide a lump-sum cash benefit when you need it most, helping cover deductibles, travel costs, lost income, and out-of-pocket expenses.

Learn More About Critical Illness Coverage ➔

Hospital Indemnity Insurance

Even with Medicare, hospital stays can result in significant out-of-pocket costs, particularly due to copays, deductibles, or gaps in observation status.

Palmetto Mutual offers Hospital Indemnity Insurance to give you added peace of mind. These plans pay you directly to help cover daily hospital expenses, ER visits, skilled nursing stays, and more.

It’s an affordable way to stay protected — and remain in control of your retirement budget.

Explore Hospital Indemnity Plans ➔

Explore Insurance Options Across the Carolinas

Medicare and senior benefit plans vary across counties and ZIP codes — even between North and South Carolina.

At Palmetto Mutual, we make it easy for Carolina seniors to understand their options. Our local guides break down everything from Medicare Advantage and Final Expense to Dental, Vision, Hearing, and Critical Illness coverage.

North Carolina Plans  South Carolina Plans

Not in the Carolinas? Palmetto Mutual currently operates locally, but we may still be able to assist you. Please contact us to inquire about availability in your state.

Why Seniors Choose Palmetto Mutual

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 and focused on you
We’re proud to serve seniors across North and South Carolina — offering real conversations, honest guidance, and local support you can count on.

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

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