Protecting Today.
Planning for Tomorrow.
YOUR VISION IS OUR PASSION
Why Choose VIP Insurance & Retirement Solutions
Personalized Service
Competitive Products
We represent a long list of leading insurance carriers to ensure that our clients receive the coverage they need at the best price. Our team will shop the market and compare rates to find you the most competitive pricing.
Expert Advice
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Our Insurance & Financial Services
Personalized solutions for individuals, families, and small businesses in Charleston and beyond
Individual Health Insurance
We help individuals and families find affordable, reliable health coverage including dental and vision options.
Group Insurance for Small Businesses
Our tailored employee benefits packages help small businesses attract and retain top talent with ease.
Medicare Products
From Medicare Advantage to Supplement plans, we guide you through every step of your Medicare journey.
Life Insurance
We offer a range of life insurance options to protect your loved ones and secure your financial future.
Retirement Planning
Our retirement strategies help you with 401(k) rollovers, securing your income during retirement, and plan for long-term financial wellness.
Long-Term Care Insurance
We offer long-term care solutions that help prepare for future health needs without draining your savings.
Frequently Asked Questions
Please reach us at if you cannot find an answer to your question.
What types of insurance does VIP Insurance offer?
VIP Insurance offers a full range of insurance solutions, including individual health insurance, group benefits for small businesses, Medicare products, life insurance, retirement planning services, and long-term care insurance.
What factors determine my insurance premium?
Factors that may affect your insurance premium include your age, gender, health history, type and amount of coverage.
Can you help me find affordable health insurance if I’m self-employed or between jobs?
Yes! We specialize in helping individuals find affordable, comprehensive health insurance—whether through the Marketplace or private plans. We’ll guide you through your options to find a plan that fits your budget and healthcare needs.
I own a small business. Can you help me offer benefits to my employees?
Absolutely. We work with small business owners to create custom group health insurance and employee benefits packages that attract and retain great talent—without breaking the budget.
Do you offer Medicare plans?
Yes, we offer a wide range of Medicare products including Medicare Supplement (Medigap) plans, Medicare Advantage (Part C), and prescription drug plans. Whether you’re enrolling for the first time or reviewing your options, we can help.
What is the difference between term life insurance and whole life insurance?
Term life insurance provides coverage for a set number of years and is generally more affordable, while whole life (or permanent) insurance offers lifelong protection and builds cash value. We’ll help you decide which option makes the most sense for your goals.
Can you help me plan for retirement?
Yes—we offer retirement planning services including 401(k) rollovers, retirement income strategies, and guidance from experienced financial advisors to help you secure your financial future.
Do I need long-term care insurance?
Long-term care insurance can help cover the cost of nursing homes, in-home care, and assisted living facilities. We’ll walk you through whether it’s the right fit for your situation and explore cost-effective options.
Where is VIP Insurance licensed to do business?
We are licensed in South Carolina, Michigan, Ohio, New Mexico, North Carolina, Arizona, Wisconsin, Missouri, Texas, Georgia, California, Virginia, Pennsylvania, Colorado, and Florida.
Do you serve clients in Charleston and the surrounding area?
Yes—we proudly serve the greater Charleston area, including Mount Pleasant, West Ashley, Daniel Island, James Island, Johns Island, Summerville, Awendaw, and Wadmalaw Island.
What if I live in another state?
In addition to South Carolina, we also serve clients in areas where we’ve lived and built strong local connections, including Philadelphia and its suburbs, Richmond and Charlottesville in Virginia, and Weston, Florida.
Schedule A Complimentary Consultation
Whether you’re navigating Medicare, planning for retirement, or exploring coverage for your family or small business, we’re here to help. Our team will listen, answer your questions, and guide you toward the right solutions—no pressure, no obligation. Let’s start with a conversation that puts your needs first.