Protect Your Home, Auto, Business, Family & More...
Salus Insurance Advisors is an independent brokerage helping individuals, families, and businesses find the right protection for home, auto, business, life, health, and retirement income—with clear guidance and no guesswork.
Why Work with an Independent Brokerage?
Real Options. Real Protection. One Advisory Team.
As an independent brokerage, we are not tied to a single carrier or one-size-fits-all policy. We shop across a wide network of top-rated, state-approved insurance companies to tailor coverage for your situation, budget, and long-term goals.
One team for home, auto, business, life, health, and annuities
Side-by-side comparison of carriers and coverage options
Coastal and property expertise for South Carolina risks
Ongoing policy reviews to keep your coverage and pricing competitive
Personal Insurance: Protect What Matters Most
From your home and vehicles to your income and family, we help you build a personal protection plan that actually fits your life—not just a policy number
Home & Property Insurance
Protect your biggest asset from fire, storms, theft, and liability.
Home owners, Condo, and Renters
Landlord / Investment Property
Wind & Hail / Hurricane options (where available)
Personal Liability & Umbrella
Auto & Vehicle Insurance
Coverage for the vehicles that move your life.
Personal Auto
Business Auto
Motorcycle, RV & Travel Trailer
Boat & Personal Watercraft (where available)
Life Insurance
Protect your loved ones and build long-term wealth.
Term Life for income protection and debts
Permanent Life & Indexed Universal Life (IUL) for long-term planning
Final Expense plans for burial and end-of-life costs
Child and family legacy strategies
Health & Income Protection
Keep your health and paycheck protected.
ACA health plan guidance and enrollment support
Medicare options and supplemental plans (where available)
Short-Term Disability & Income Protection
Critical Illness and Hospital Indemnity (where available)
Indexed Universal Life Insurance
An Indexed Universal Life (IUL) Insurance policy is a type of permanent life insurance that provides both a death benefit and a cash value component. The cash value grows based on the performance of a stock market index, such as the S&P 500, offering growth potential with downside protection.
Fixed Indexed Annuities
A Fixed Indexed Annuity (FIA) is a type of annuity designed to provide guaranteed income and growth tied to the performance of a stock market index, like the S&P 500, without exposing your principal to market losses..
Business Insurance: Protect Your Company, Team & Cash Flow
Whether you are a solo operator, a growing local business, or a multi-location operation, we help you guard against lawsuits, property damage, data breaches, and more—so you can stay focused on running your business.
General Liability & Business Owners Policies (BOP)
Commercial Property & Equipment
Workers’ Compensation (where applicable)
Commercial Auto & Fleet
Professional Liability / E&O
Cyber Liability & Data Breach coverage
Key Person & Buy-Sell Life Insurance for owners
Our Simple, Advisor-Led Process
Discovery & Risk Review
We start with a strategy call to understand your goals, coverage gaps, and budget across home, auto, business, life, health, and retirement
Market Shopping & Analysis
We compare options from multiple top-rated carriers to design a protection plan tailored to your needs.
Clear Recommendations
We walk you through each option in plain language—coverage, exclusions, and price—so you can choose with confidence.are options from multiple top-rated carriers to design a protection plan tailored to your needs.
Ongoing Policy Management
As your life and business change, we proactively review your policies and help you adjust coverage, add lines, or explore better value.
Turn Savings into Lifetime Income
You work hard to build your savings. We help you convert them into predictable income you can’t outlive, while protecting your principal from market downturns.
Fixed Indexed Annuities
Income riders for guaranteed lifetime income
Principal protection with growth potential
Legacy planning options for beneficiaries
What Our Clients Say.
From life and disability planning to home, auto, and business insurance,
our clients count on Salus to make their protection simple and proactive
Jasmine Richards
I’m genuinely impressed with the tailored life insurance options and the investment-linked products. It’s comforting to know my financial growth and security are prioritized.
Monica Chandler
I've tried various plans, but Salus really delivers. Their investment-linked products grow your nest egg, and their family protection plans truly safeguard your loved ones. Solid choice.
Thomas Krazinski
Salus’ estate planning is straightforward. They set things up nicely, ensuring security for the future. Feels good knowing everything’s in order.
FAQs
Frequently Asked Questions
What types of insurance does Salus Insurance Advisors offer?
We help with home, auto, business, life, health, disability, and annuities. As an independent brokerage, we shop multiple carriers to find the right fit for your needs and budget.
Do I have to move all my policies to you?
No. We can start with a single policy review, then gradually help you consolidate if it makes sense. Many clients choose us as their single point of contact for all their insurance.
How are you paid?
Our services are typically compensated by the insurance carriers when we place coverage, so there is usually no additional cost to work with us versus going direct to a carrier.
Can you help reduce my overall insurance costs?
While we cannot guarantee savings, we regularly find opportunities to eliminate duplicate coverage, increase protection, and improve value by shopping multiple carriers and bundling policies where appropriate.
Do you only work in South Carolina?
We are based in South Carolina and primarily serve clients in this region. Depending on licensing, we may also serve clients in additional states. Contact us to confirm availability in your area.
What should I consider when planning my estate using life insurance?
Consider the size of your estate, future income needs, potential taxes, and dependents financial needs.
