HFC Insurance agent explaining health insurance options in Lancaster SC

Individual Services

It is important to protect your family from the liabilities in today’s world. Our responsibility is to advise our clients in the proper protections in home and auto coverage, Marketplace health insurance, Medicare Advantage, Medicare Supplements and Part D prescription drug plans, dental and life insurance.

Health Insurance

With healthcare cost rising, a good health insurance policy is a must. We provide you with a wide range of individual insurance options. One option is a Marketplace plan, AKA “Obamacare”. Don’t purchase them online. Most people are not educated on the ins and outs of insurance. When you purchase your coverage online, you are left to manage your policy by yourself. Allow our trained professionals to help you in the comfort of our office. As a result, you become our client and not just another number to the government. There’s no cost difference in your plan for allowing our trained professionals to assist you. Allow us to serve you. You will not regret it!

Home and Auto Coverage

Your car and residence are typically your most valuable assets. Whether you are driving your dream car or living in the home you’ve always dreamed of, make sure it’s protected with the right coverage. Don’t allow anyone online that doesn’t have a local presence, protect your most valued assets.

The potential for accidents or injuries is always present. If a lawsuit is brought against you or your family, your personal liability coverage can help protect you from a devastating financial loss.

As an independent agency we will help you choose the right coverage, so you can be certain that you’re protected. We offer competitive rates and coverages that can be tailored to your specific needs. We provide the freedom to select specific coverages based on your needs and allow for creating a custom policy tailored just for you.

Medicare Supplements and Part D Prescription Drug Plans

A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. We currently offer Medicare Supplements and Part D prescription plans with BCBS of SC, Mutual of Omaha, Aetna, CIGNA Healthcare, United Healthcare, SilverScript and Humana. If you live in SC or NC we can assist you in enrolling in a Medicare supplement or a Part D prescription drug plan.

To learn more, visit our Medicare Supplements Services page dedicated to this topic.

Dental Insurance

Do you want your smile to look its best? Do what you can now, to help prevent expensive dental work later? Regular exams and cleanings from your dentist help teeth and gums stay healthy. There is a growing body of evidence linking our oral health with our overall wellness. That’s why it’s good to have a plan.

Cancer Plans

  • 64% of costs to fight cancer are nonmedical.
  • 1 out of 2 men and 1 out of 3 women will be diagnosed with cancer in their lifetime.
  • Good news – the number of people surviving cancer increases annually

Critical Illness Plans

When it comes to a critical illness, most people think it will never happen to them. Unfortunately, heart attacks, cancer, strokes and other serious illnesses can happen to anyone.

Here are some facts to consider:

  • About every 34 seconds, someone in the United States suffers a heart attack
  • Fifty percent of men will be diagnosed with cancer in their lifetime*
  • Total direct and indirect costs of cardiovascular diseases and stroke in the United States are projected to be nearly $600 billion in 2015**

* Cancer Facts & Figures 2013, American Cancer Society
** 2012 Heart Disease & Stroke Statistics, American Heart Association

Life Insurance

If someone depends on you, you probably need life insurance. If you were to die today, life insurance will provide cash to your dependents that can help meet everyday living expenses, pay down the mortgage, finance longer-term goals like education and retirement, and generally maintain their quality of life