Helping Seniors Across the Country Navigate Medicare, Life Insurance & More
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Who We Are
Palmetto Mutual is an independent insurance brokerage specializing in final expense life insurance for individuals and families nationwide.
Based in Myrtle Beach, South Carolina, one of the fastest-growing retirement hubs in the United States, we understand the unique needs of seniors navigating their life insurance options.
Our goal is straightforward: to provide clear, honest, and personalized guidance that enables you to make informed decisions with confidence.
Our Mission & Values
At Palmetto Mutual, we believe that you deserve more than just an insurance policy. You deserve a trusted partner who truly cares. That’s why we prioritize:
✅ Honesty & Transparency – No pushy sales tactics, just clear explanations so you understand your options.
✅ Personalized Service – We take the time to find coverage that suits your unique health and financial needs.
✅ Independent & Trusted – We work with multiple top-rated carriers to find the right fit for you, not the insurance company.
✅ Help the Way You Prefer – Personalized guidance over the phone or video — whichever works best for you.
✅ We Simplify Insurance – We break everything down in plain language so you know exactly what you’re signing up for.
✅ No Cost. No Pressure. Ever. – Our services are always free, and there’s no obligation to enroll.
✅ Ongoing Support – Our commitment doesn’t end after enrollment; we’re here year-round to help as your needs change.
Our Services
We specialize in one thing — final expense life insurance. These are permanent, whole life policies designed to protect your family from the financial burden of end-of-life expenses.
✔ Funeral & Burial Costs – Coverage to ensure your family isn’t left paying out of pocket.
✔ Medical Bills & Outstanding Debts – Protection against expenses that don’t disappear when you’re gone.
✔ Multiple Top-Rated Carriers – We shop the market to find the right fit for your health and budget.
✔ $5,000 to $50,000 in Coverage – Flexible policy amounts tailored to your needs.
✔ Simple, Affordable, Pressure-Free – Whether you’re planning ahead or helping a parent get protected, we make the process easy.
Service Area
📞 Licensed agents available by phone or video
At Palmetto Mutual, we’re committed to guiding seniors through their benefit options with honest, pressure-free advice every step of the way. We help seniors find peace of mind, financial security, and confidence in their coverage.
Wherever in the country, you’ll receive the same clear guidance from a real, licensed expert.
No robocalls, confusion, and no obligation to enroll.
📞 Contact us today to schedule your free consultation by phone or video.
Meet the Founder
A Passion for Helping Seniors Navigate Insurance with Confidence
I’ve always been passionate about helping people and simplifying complicated things. But when I entered the insurance industry in 2017, I quickly realized just how underserved seniors are when it comes to understanding their life insurance options.
One of my first clients was paying over $150 per month for a final expense policy with a 2-year waiting period. That meant that if something happened to her within the first two years of the policy, her family would receive little to nothing.
After a quick review, I was able to get her day one coverage with full benefits for less than $100 a month.
She had been paying more for less (with a two-year waiting period), and no one had ever told her.
She was shocked.
“I didn’t even know this was possible,” she said.
That moment stuck with me. And the more people I met, the more I realized:
Seniors don’t know what they don’t know, and most agents don’t take the time to educate them.
Another heartbreaking pattern I noticed early on was that seniors were unknowingly paying for term life policies from companies like Globe Life and AARP, only to lose coverage when they needed it.
I met countless seniors who had been paying into those plans for years, only to find out:
- Their premiums kept increasing as they aged
- Their coverage ended at age 75, leaving them completely uninsured at their most vulnerable
Additionally, I observed many seniors on fixed incomes paying more than they should for final expense insurance, often by 30% or more. In most cases, I helped them lower their monthly premiums without changing their benefit amount, giving them the same protection at a price they could afford.
That’s why I made it my mission to help seniors protect their families by replacing overpriced or expiring policies with permanent, affordable coverage that brings peace of mind.
An Award-Winning Insurance Agent Dedicated to Seniors
Through my commitment to honest education and top-tier service, I’ve been recognized multiple times as a top agent in the insurance industry.
I’ve received several awards for excellence in helping seniors protect their loved ones, finances, and families.
But to me, those awards represent something more meaningful—the seniors I’ve helped feel secure and confident in their coverage decisions.
Numbers or trophies don’t measure my success. It’s measured by the real people I’ve had the privilege to serve—and the peace of mind we’ve created together.
Why I Founded Palmetto Mutual
After seeing so many seniors overpay, get misled, or struggle to understand their coverage, I knew I wanted to do things differently.
I didn’t want to be just another insurance agent.
I wanted to be a trusted advocate for seniors.
That’s why I founded Palmetto Mutual:
✔ To educate seniors on their life insurance options so they can make confident, informed decisions.
✔ To offer a personal, people-first alternative to big call centers that treat clients like numbers.
✔ To ensure every individual—no matter where they live—has access to affordable, reliable coverage with no hidden surprises.
My Background & Approach
I’ve lived in Myrtle Beach, South Carolina, and worked in service-oriented industries my whole career.
Before entering the insurance business, I worked in restaurants and retail shops, where I learned firsthand the value of honest service, patience, and always putting people first.
That experience continues to shape the way I approach insurance today.
I believe in taking the time to listen, explain, and ensure my clients fully understand their options, whether we’re speaking over the phone, via video, or through a step-by-step email.
When I started Palmetto Mutual, I made a clear commitment: I would never rush anyone into a decision and would always act in my clients’ best interests.
A Message From Me to You
You’re not alone if you feel overwhelmed. The system can be confusing, and unfortunately, many agents take advantage of that.
At Palmetto Mutual, we believe in transparency and education. Because when you have the correct information, you can make the right decision.
So if you’re looking for life insurance that won’t cancel when you need it most, or just trying to make sense of your options, I’m here to help.
— Dvir Mosche, Founder of Palmetto Mutual