Clear, honest Medicare guidance across multiple states

Mauldin Insurance Group is an independent insurance agency based in Lexington, SC. We help individuals, families, and businesses across South Carolina find the right insurance coverage — including Medicare Advantage, Medicare Supplement, Part D, ACA health insurance, life insurance, final expense, auto, home, and commercial insurance. As an independent agency, we work with multiple top-rated carriers and shop the market on your behalf at no cost to you.

Your Initial Enrollment Period is a 7-month window that begins 3 months before the month you turn 65 and ends 3 months after. If you miss this window and do not have qualifying employer coverage, you may face a permanent late enrollment penalty on your Part B premium — 10% for each 12-month period you delayed — plus a gap in coverage. The Annual Enrollment Period runs October 15 through December 7 each year. We strongly recommend calling us before your 65th birthday to map out your enrollment timeline and avoid any costly mistakes.

The best Medicare plan depends entirely on your health needs, your doctors, your prescriptions, and your budget — there is no single right answer. In the Lexington and Columbia, SC area, there are multiple Medicare Advantage and Medicare Supplement carriers available. We currently represent 6 organizations offering 52 products in our service area. We compare every available option side by side and help you choose the plan that fits your life — not just the one with the lowest premium. Call Jennifer at (843) 509-2462 for a free, no-pressure comparison.

Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare offered by private insurers. It typically bundles Parts A, B, and D in one plan — often with extra benefits like dental and vision — and usually has low or $0 monthly premiums. However, it uses provider networks and involves copays when you receive care.

Medicare Supplement (Medigap) works alongside Original Medicare, covering the 20% coinsurance and other out-of-pocket costs Original Medicare leaves behind. It carries a monthly premium, but gives you the freedom to see any Medicare-accepting doctor nationwide with very predictable out-of-pocket costs. We help you decide which approach is right for your health and budget.

ACA health insurance premiums in South Carolina vary based on your age, household size, income, and the plan tier you choose (Bronze, Silver, or Gold). Many South Carolinians qualify for premium tax credits through the federal marketplace that significantly reduce their monthly cost — some qualify for plans as low as $0 per month depending on income.

We help you determine your subsidy eligibility, compare all available plans in your area, and walk you through enrollment — all at no charge. Call us at (843) 509-2462 or (803) 920-8827 to get started.

A common starting point is the DIME method: add up your Debt, Income replacement (typically 10x your annual income), Mortgage balance, and Education costs for your children. For most South Carolina families this works out to somewhere between $500,000 and $1,000,000 in coverage.

Term life insurance is often the most affordable way to get there — a healthy 35-year-old can often get $500,000 in 20-year term coverage for $25 to $35 per month. We help you find the right amount and the right carrier based on your specific situation, health, and budget. There is no cost for the consultation.

Final expense insurance is a type of whole life insurance with a smaller face value — typically $5,000 to $25,000 — designed specifically to cover funeral costs, burial expenses, outstanding medical bills, and other end-of-life costs. The average funeral in South Carolina costs between $9,000 and $12,000, and most families do not have that sitting in savings earmarked for that purpose.

Final expense insurance is a good fit if you are between ages 50 and 85, want guaranteed coverage with no medical exam, and need an affordable, predictable premium that never increases. Coverage typically starts at $20 to $70 per month. Call Jennifer at (843) 509-2462 for a free quote.

The average homeowners insurance premium in South Carolina runs approximately $1,400 to $1,900 per year for a typical single-family home, though this varies significantly based on your home's location, age, roof type, construction materials, coverage limits, deductible, and claims history. Coastal properties and homes in flood zones typically carry higher premiums.

As an independent agency, we shop multiple carriers to find you the best combination of coverage and price. We also review your dwelling coverage limit to make sure it reflects current rebuilding costs — many SC homeowners are significantly underinsured without realizing it.

Bundling your auto and home insurance with the same carrier typically saves 10% to 20% on both policies and simplifies your coverage — one agent, one renewal cycle, and one point of contact if you ever need to file a claim. Most major carriers offer a multi-policy discount that makes bundling a straightforward win for most families.

That said, bundling is not always the cheapest option in every situation. We compare bundled and unbundled scenarios side by side so you can make an informed decision. Call Ben at (803) 920-8827 for a free auto and home quote.

Liability insurance covers damage and injuries you cause to other people in an accident — it is the minimum coverage required by South Carolina law (25/50/25 minimums). It does not pay for damage to your own vehicle.

Full coverage typically adds collision coverage (damage to your own vehicle in an accident) and comprehensive coverage (theft, weather damage, falling objects, and animal strikes). Whether full coverage makes financial sense depends on your vehicle's value, whether you have a loan or lease, and your personal financial situation. We help you think through the right level of coverage for your specific circumstances.

Yes — we serve clients across all of South Carolina and are also licensed in North Carolina and Georgia. While we are based in Lexington and serve a large volume of clients in the Columbia, Irmo, Chapin, Cayce, West Columbia, and Lake Murray areas, we work with clients statewide by phone, video, and in-person when needed. Distance is never an obstacle and there is no extra charge for clients outside the immediate Lexington area.

No — our services are completely free to you. Insurance carriers pay independent agents a commission when a policy is placed. Your monthly premium is exactly the same whether you enroll through us or go directly to the carrier. The difference is that we do the research, comparison, and shopping for you, and we stay in your corner at renewal and at claim time. There is no obligation and no pressure — just honest help from people who live and work in your community.