Find right personal insurance
The best personal insurance plans in North Carolina. We are independent agents.
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Which personal insurance are you looking for?
Home Insurance
The opportunity to care for each member of your family or tenants, in addition to personal property. Find the service that meets your immediate needs.
- ◆ Homeowners insurance.
- ◆ Renters insurance.
- ◆ Multiple property insurance.
- ◆ Insurance against floods.
- ◆ Injury to household members (and others while they are on your property)
- ◆ Accidents on your property
- ◆ Identity theft
- ◆ Dog bites
- ◆ Backup of sewers, drains and sump pumps
- ◆ And more!
- ◆ Work with you to assure you have the right coverage at the right price.
- ◆ Get quotes from leading insurance companies to help you select the most effective and affordable coverage possible.
- ◆ Will walk you through your options and help you identify additional saving.
- ◆ Help you protect your valuable property investments so you can sleep a little easier at night.
Auto insurance
Immediate attention to unexpected situations. What are the advantages of purchasing auto insurance?
- ◆ You can replace your car if it was stolen or received a collision.
- ◆ You will receive immediate road assistance.
- ◆ It will cover damages to third parties, in addition to medical expenses.
LIFE INSURANCE
- ◆ Financial security for your family.
- ◆ Protection in case of disability or illness.
- ◆ Policy adapted to your needs.
- ◆ Long-term life insurance plans can help you achieve bigger goals like buying a new home at the end of the policy period
- ◆ The right life insurance policy can supplement your financial needs after retirement
- ◆ Short-term plans like term life insurance can help pay-off your debts
- ◆ Get significant tax benefits on your life insurance plan
- ◆ Save your business in case a misfortune strikes
- ◆ Term Life Insurance
- Through our recommended term life insurance plans, you can have a specific amount of life insurance coverage for a particular time period. Ideally, term insurance policy periods range from 10, 20, or 30 years. The concept is to provide financial security to your dependents in the event of a premature death, or achieve a financial goal like getting your child higher education or paying off a mortgage.
- ◆ Permanent Life Insurance
- We also provide permanent life insurance plans that extend lifelong protection; there is no fixed term period. As long as you continue paying the premium amounts and there are no withdrawals, surrenders, or loans – you (or the beneficiary) will be paid the full face amount. The cash value will accumulate throughout the policy’s lifetime and is tax-deferred.
- ◆ Your family is young and growing, so you may be juggling a mortgage, auto loans and childcare costs. While your expenses may continue to expand over time, you may want an affordable life insurance policy that helps you plan for your family’s financial future until the kids are grown and the house is paid off.
- ◆ You’re more established in life. In addition to providing a death benefit to your beneficiaries, you may leverage the loan or partial surrender features of certain policies to help support things like supplemental retirement income, caring for a family member with a disability or preparing for eventual estate taxes.
- ◆ You’re single and have no children. The death benefit proceeds from your life insurance policy may help support obligations such as the costs of your personal debts, medical bills or final expenses — and may also help leave a legacy to someone you love or a favorite charity.
- ◆ Disability riders that may help pay your policy’s premiums, and may supplement your lost income, if you’re disabled.
- ◆ An accelerated death benefit rider that lets you collect a portion of the policy’s death benefit if you become terminally ill with a short life expectancy.
- ◆ A critical illness rider that pays a lump sum to you if you’re diagnosed with one of several specified critical illnesses such as cancer, heart attack or stroke.
Health insurance
Having a health insurance policy is a mutual agreement that will ensure your well-being and that of those you love the most. In it you will find a list of medical benefits such as:
- ◆ Medical tests.
- ◆ Medications.
- ◆ Treatment services.
Umbrella
Access this type of comprehensive insurance, either for a property or auto policy, under the following benefits:
- ◆ Bodily injury coverage.
- ◆ Property damage or personal loss.
- ◆ Costs in a judicial process.
Final expense insurance
If you do not have life insurance to be prepared for an unfortunate situation, you can access this alternative based on funeral expenses. It includes the legal procedures, the complete funeral service, even the transportation of the deceased person to their country of origin, if requested by the family members.
Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.
TC Insurance helped me when I decided to buy auto insurance for my company. I got the best price and received was having a coverage that fit my needs.
At TC Insurance I found the solution I needed to protect my workers in case of risks. I got coverage tailored to my needs through Worker's Compensation.
At TC Insurance I have been able to find the home insurance I needed, allowing me to protect the future of my family in unexpected situations.