Life Insurance

Protect What Matters Most—For Today and Tomorrow

Life insurance is more than a policy—it’s peace of mind for the people you care about most. Whether you're planning for final expenses, providing income replacement, or building long-term value, the right life insurance coverage can help protect your family’s future. At Brooks Financial, we guide individuals and families across Columbia, SC through the process of choosing life insurance that aligns with their goals and budget. We offer a variety of plans, from simple term policies to permanent options that grow with you. If you're unsure where to start or whether you even need life insurance, we’ll help you make a confident, informed decision.

Woman smiles while embracing two young children in a sunny park.

Life Insurance Options We Offer

Our process is designed to help you feel secure now and prepared for the future.

Four black circles arranged in a cross pattern on a white background.

Term Life Insurance

Affordable and straightforward coverage for a set period—typically 10, 20, or 30 years. Ideal for young families, mortgage protection, or income replacement during working years.

Four black circles arranged in a cross-like shape on a white background.

Whole Life Insurance

Permanent coverage that lasts your entire life and builds cash value over time. Premiums stay the same, and the policy can accumulate tax-deferred savings.

Four black circles arranged in a cross shape on a white background.

Final Expense Insurance

A type of whole life policy designed to cover funeral costs, medical bills, and other end-of-life expenses. Often easier to qualify for and tailored to seniors on fixed incomes.
Four black circles arranged in a cross shape on a white background.

Universal Life Insurance

Offers flexible premiums and lifelong protection, with the potential to build savings based on interest rates. Great for long-term planning with room to adjust as life changes.

Four black circles arranged in a diamond shape, on a white background.

No-Exam Life Insurance

A simplified policy for those who may have health conditions or want to skip the medical exam. Coverage amounts may be lower, but the process is faster and easier.
You Don’t Have to Navigate Life Insurance Alone

Personal Guidance from a Local Life Insurance Agent.

We believe choosing life insurance shouldn’t feel intimidating or transactional. We’ll take the time to understand your goals, explain your options clearly, and help you apply for the right plan—whether that means term coverage for your family or a policy that supports long-term savings.

  • Local Experience, Personal Approach
     We’ve helped families across Columbia, Lexington, Irmo, and Forest Acres find life insurance that fits their unique needs—not cookie-cutter coverage.
  • Clear Explanations & No Pressure
     We break down your options in plain language and never push policies that don’t make sense for you.
  • Support Beyond the Policy
     We’re here if life changes—whether you need to update a beneficiary, review your coverage, or file a claim down the road.
Medical record with a heart monitor inside a heart shape and a shield with a check mark, signifying health insurance.

Frequently Asked Questions About Life Insurance

  • Do I really need life insurance if I don’t have kids?

    Yes—life insurance can help cover debts, final expenses, or provide financial support to your partner, aging parents, or anyone who depends on you.

  • What’s the difference between term and whole life?

    Term life covers you for a specific number of years and is generally more affordable. Whole life is permanent and builds cash value but has higher premiums.

  • How much coverage do I need?

    That depends on your income, debts, dependents, and long-term goals. We’ll help you calculate the right amount based on your unique situation.

  • Can I get life insurance if I have health issues?

    Possibly. Some policies require medical exams, but others—like final expense or no-exam plans—are designed for people with health conditions.

  • When should I buy life insurance?

    The sooner, the better. Rates are lower when you're younger and healthier, and having coverage in place gives you financial protection no matter what life brings.