Life, Homeowner, & Car Insurance in Irmo, SC - David Stanley & Associates | Horace Mann

Serving South Carolina

We offer quality coverage for homeowners, auto, life, motorcycle, RV, and boat insurance to meet all of your insurance needs.

David Stanley & Associates

Our team members genuinely have your best interest in mind. Insurance is about protection and trust. We take pride in being loyal and trustworthy to our clients.

David Stanley & Associates – A Primary Provider of Horace Mann Insurance

David Stanley & Associates

We offer quality coverage for homeowners, auto, life, motorcycle, RV, and boat insurance to meet all of your insurance needs.

Our priority is your peace of mind. We aim to give you quality insurance and maintain a relationship with our clients for the long run. We can assure that our team members genuinely have your best interest in mind. Insurance is about protection and trust. We take pride in being loyal and trustworthy to our clients. We have the specific needs of educators in mind, and we look to fit the needs of each customer in their way.

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Here at David Stanley and Associates, we offer several different avenues for financial services. When it comes to a person’s finances, no matter what type of employment, everyone needs some assistance. When looking at numbers, it is important to keep track of your assets and income. You deserve to take care of yourself and invest in yourself. Having your money managed safely and securely is essential. With that being said, we have several plans and policies that can further assist you in your savings and money management. IRA, Roth IRA, SEP-IRA, and Simple IRA are our options, explore which one would be the best fit for you. Each financial service is specially tailored to fit your specific income and needs that align with your long term and short term goals. David Stanley and associates will assist you in saving the most possible.

IRA:

IRA stands for individual retirement arrangements. The contributions are often tax-deductible, they have no tax impact. This is very beneficial for someone who would like to save for their retirement without being accountable for taxes applied to it. If you plan on making withdraws, then the traditional IRA may not be the right choice for you. However, if you would like to save your money without being deducted for taxes, without any plans of withdrawing money, this may be a good option for you. The traditional IRA policy is one of the most popular financial services.

Roth IRA:

While a traditional IRA offers tax-deductible, Roth IRA does not. The upside of Roth IRA is that withdrawals and earnings are tax-free. Depending on what you see is best for you, Roth and traditional have their similarities, but are they are different. If you think that there is a possibility that you may withdraw funds, Roth IRA might be what’s best for you. This way you will be taxed as your funds are coming in, but very low to no cost at all for your withdraws.

SEP IRA:

This particular retirement fund is perfect for a self-employed person or the small business owner. The small business owner needs financial services too. You may adopt retirement benefits as well as your employees. The contributions will be transferred into the individual’s name instead of a fund in the company’s name. SEP IRA is looking out for you the entrepreneur, the small business owner, the one working for himself. We’ve got your back, we will pay attention and keep track of your finances to make sure you are safe and secure.

SIMPLE IRA:

Simple IRA stands for Savings Incentive Match Plan for Employees Individual Retirement Account. This financial assistance is also very popular. Even though a simple IRA is labeled as an IRA, it is treated separately. Simple IRA is a savings incentive plan similar to a 401k. It has a simple administration and lower contribution limits. A simple IRA contributes to the management and distribution into your retirement fund.

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In the events of life and death, David Stanley and Associates can cover you with life insurance. We offer several policies from term life insurance, whole person insurance, universal insurance, key person insurance, and comprehensive insurance. Life insurance is necessary to obtain. In case of a tragedy that results in your death, you don’t want to leave the funeral costs and medical expenses for your family to take care of. Unfortunately, life insurance is something that every person needs to take some serious thought about. You have plenty of options in this case, with financial flexibility. David Stanley and Associates understand that Life insurance isn’t something that anyone wants to think about, but we will make it easier for you and your family. Whatever your needs are for your life insurance, we have the right policy for you.

Whole Life Insurance

Our whole life insurance policy is the most popular choice when choosing life insurance. This policy covers injury and complications in life and also after death. Whole life insurance policy covers an individual for the entirety of their life for a set premium. The policy will never raise with age, and the price of the premium agreed upon will stay intact.

Term Life Insurance

Our term life policy is similar to the whole term but only valid for a term of your life. Term insurance is a lot less expensive opposed to a policy that is permanent. A term life policy will raise with age. The term policy can cover any debts or expenses involved with death and also expenses of survivors. Term life is a policy to evaluate opposed to whole life, but the both have their advantages.

Key Person Insurance

Our key person policy is life insurance on the key person or a couple of key people in your business. This is to cover the people that are most influential to your business. This would compensate for financial losses if death or an extended incapacity struck your business. If tragedy struck, and the some most influential people of business lost their lives during a business trip, or if one person lost their life in specific, this key person life insurance policy would cover this tragedy. Group life insurance often allows individual policyholders to leave without forcing other population in the group to as well. This is an advantage to key person insurance.

Universal Life Insurance

Universal life insurance is a type of cash value life insurance. Your cash value each month is credited with interest. Comprehensive coverage allows you to be flexible with your premiums. The policyholder has the “flexible death benefit.” You have the right to raise or lower the benefits of your universal life policy. The comprehensive coverage can be discussed with one of our agents and specifically tailored to your needs.

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Let Us Cover You

David Stanley and Associates understands that auto coverage and safety is essential. Finding the right auto coverage for you is the most importance to us. We provide the protection for you and your family for when you need it most when involved in an auto accident. Many different cases and accidents can happen on the road, and we know how to resolve them. We offer several policies that will cover any accident that comes your way. Accidents happen, and whether you are at fault or another driver is, we can help you recover and repair what you have lost or what the other driver has damaged. If something happens to you and your vehicle, your mind can rest easy knowing that David Stanley and Associates are there to fix your damages and also your worries.

Basic Liability Coverage

No matter where you are from, you need your car insured to drive it legally. This coverage takes care of the expenses of others involved in an accident. Primary liability covers property damage such as fixing another vehicle, medical expenses, and repairs to what the other driver has damaged on your car. If you back out of your parking space and cause damage to the vehicle behind you, this policy covers their damage. If you are driving down the road and an advertisement catches your eye and you aren’t paying attention and you hit the vehicle in front of you, this policy will cover their damages for your mishaps. This is the minimum coverage that we suggest for you.

Comprehensive and Collision Coverage

Comprehensive and collision coverage gives you a great safety net when it comes to driving your vehicle. You never know what misfortune could come your way, and sometimes it isn’t always unsafe drivers. In case your vehicle is flooded or even stolen, we will help you. If you hit your vehicle with an object that isn’t another car, comprehensive and collision will cover you. Sometimes the damage is done to your vehicle without even being involved in an accident, if this is the case, this coverage will best fit your needs. If you get into an accident and another vehicle is involved, this will also cover you. Want to reduce your monthly payment? Choose a higher deductible.

Uninsured or Underinsured Motorist

Accidents happen and sometimes they are not your fault, sometimes it is another driver’s fault. Uninsured motorist policy covers you if there is damage done to your car by an at fault driver who doesn’t have liability insurance. This can be one of the most frustrating situations if the vehicle that strikes you isn’t insured. In this case, we will cover your damages. Underinsured motorist coverage applies when you are hit by a vehicle that does not have enough insurance to cover your damages and medical bills. If either one of these situations happens to you, David Stanley and Associates will take care of your medical and vehicle damages.

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No matter where you live, no matter what the weather is like, homeowner insurance is essential for you and your family. Excessive rainfall and winds take over South Carolina, we are here to watch out for you and are mindful of your specific needs and worries. We have different policies and packages for flood and earthquake coverage as well. Although maintenance issues are the owner’s responsibility, we will offer financial protection for natural disasters, destruction to you home, or any other unexpected issues that come your way. You can’t control the climate, and you can’t control what your household animals do all of the time. For those moments that you couldn’t predict, don’t worry, we’ll cover you.

Dwelling Protection

Let’s face it; anything could happen. We understand the importance of safety to you and your home. There are threats happening every day that could affect the structure of your home. If there are a thunderstorm and a tree gos through your window, we’ve got you covered. If you accidentally back your car into your garage door, we’ve got you covered. If a windstorm takes off part of your roof, we’ve got you covered. Due to some possible threats to your home, dwelling coverage will take care of any structural damages done to your house.

Personal Property Protection

As dwelling coverage is necessary, it does not include personal property coverage. Your home is filled with assets that you cherish and love. If your property is lost or stolen, we can’t necessarily find it for you, but we can compensate you for your loss. You may own a family heirloom necklace that was lost during a hurricane, if this was the case, we would be able to cover you in the amount the jewelry was worth. If your entertainment center went missing or was damaged due to a flood, we could cover your loss. If there are damages to personal property from your home, personal property protection will take care of you.

Natural Disasters

Natural disasters may be something that you fear often, they may be something that you don’t fear enough. Either way, they occur often, especially in southern states of America. We never know when a hurricane, tornado, or a flood could come through our neighborhood. David Stanley and Associates understand that this tragedy could strike at anytime, in any neighborhood, to any family. Being there for you and taking care of your needs are so important to us, especially if a natural disaster strikes your home. Do not be unprepared, don’t feel like you have to go through this alone, let us cover you.

Bodily Injury Liability

In the event that someone gets injured on your property, we have coverage for that too. For the times that you don’t catch your kids running around on the slippery pavement by your pool, for the times a visitor takes an unfortunate spill down your staircase, for the times your friend slips down the ladder while helping you put up christmas lights, we can cover them too. Unfortunately, all kind of accidents do happen. If someone is on your property and gets hurt, you are liable for it. In the case where you need a lawyer or hospital bills paid, our bodily injury liability covers those costs.

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