Thank you for visiting Lighthouse Insurance Benefits of Charleston, South Carolina and the surrounding areas. We provide families and individuals and businesses with health, long term care, life, Medicare, disability insurance, and a range of supplemental insurance coverage. As a full-service Medicare and life insurance agency, our goal is to help you find the insurance plans that fit your needs.
Our team is committed to working with the insurance companies on behalf of their clients in Charleston, South Carolina to get the best rates and the best value for the best, most comprehensive coverage. Contact us to discuss how we can help meet your unique needs. By contacting the phone number on this website you will be directed to a licensed agent in Charleston, South Carolina.
Our team is committed to working with the insurance companies on behalf of their clients in Charleston, South Carolina to get the best rates and the best value for the best, most comprehensive coverage. Contact us to discuss how we can help meet your unique needs. By contacting the phone number on this website you will be directed to a licensed agent in Charleston, South Carolina.
Services
Everyone's economic and life situation is unique.
Ray Searan keeps that in mind when providing insurance advice and guidance.
As a Licensed Insurance Agent, he works with individuals, families, and businesses to protect their assets during the storms of life.
Ray has been trained and inspired in sales by some of the best from Dale Carnegie to Jim Rohn and many others.
He continually immerses himself in studies and training.
He works with nationally recognized insurance companies to offer quality, affordable insurance options.
Ray Searan keeps that in mind when providing insurance advice and guidance.
As a Licensed Insurance Agent, he works with individuals, families, and businesses to protect their assets during the storms of life.
Ray has been trained and inspired in sales by some of the best from Dale Carnegie to Jim Rohn and many others.
He continually immerses himself in studies and training.
He works with nationally recognized insurance companies to offer quality, affordable insurance options.
We believe that the better educated you are about Medicare insurance, the better you'll be able to make good decisions about your Medicare health insurance choices.
That's why we've created this resource section.
Medicare Supplement or Advantage is not a one size fit all health insurance.
Let our experienced and knowledgeable team assist you with your unique insurance needs.
Whether you live in Charleston, Goose Creek, Moncks Corner or Summerville we are here to assist you with all your Medicare needs.
That's why we've created this resource section.
Medicare Supplement or Advantage is not a one size fit all health insurance.
Let our experienced and knowledgeable team assist you with your unique insurance needs.
Whether you live in Charleston, Goose Creek, Moncks Corner or Summerville we are here to assist you with all your Medicare needs.
One reason for choosing a life insurance policy is to figure how much your dependents will need after you're gone.
How much debt you have: All of your debts must be paid off in full, including car loans, mortgages, credit cards, etc.
If you have a $200,000 mortgage and a $4,000 car loan, you need at least $204,000 in your policy to cover your debts (and possibly a little more to take care of the interest as well).
Income Replacement: One of the biggest factors for life insurance is for income replacement, which will be a major determinant of the size of your policy.
How much debt you have: All of your debts must be paid off in full, including car loans, mortgages, credit cards, etc.
If you have a $200,000 mortgage and a $4,000 car loan, you need at least $204,000 in your policy to cover your debts (and possibly a little more to take care of the interest as well).
Income Replacement: One of the biggest factors for life insurance is for income replacement, which will be a major determinant of the size of your policy.
Each client is unique, with it's own set of needs and requirements.
As a result, we do not provide cookie cutter solutions.
We treat every client differently with the understanding that every employer has different needs!
Instead of anticipating your needs, we listen and learn what you value and dislike in your current group health and employee benefits.
From there, we ask questions and develop a strategy to help you meet your goals.
We then set up regular meetings to review the strategies we've implemented together to ensure that you are moving closer to meeting your goals.
As a result, we do not provide cookie cutter solutions.
We treat every client differently with the understanding that every employer has different needs!
Instead of anticipating your needs, we listen and learn what you value and dislike in your current group health and employee benefits.
From there, we ask questions and develop a strategy to help you meet your goals.
We then set up regular meetings to review the strategies we've implemented together to ensure that you are moving closer to meeting your goals.
As we age, the likelihood we will need some type of medical or personal care increases.
We may need long term care - a variety of services which help meet the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods of time.
Such services typically include assistance with normal daily tasks like dressing, bathing, and using the bathroom.
On average the need for long term care services lasts months or years, not weeks or months, and can be very expensive.
We may need long term care - a variety of services which help meet the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods of time.
Such services typically include assistance with normal daily tasks like dressing, bathing, and using the bathroom.
On average the need for long term care services lasts months or years, not weeks or months, and can be very expensive.
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