Business Details
Trusted Independent Insurance Brokerage in Columbia, SC
LifeTime Insurance Agency is a full-service, independent brokerage dedicated to serving the needs of individuals, families, and businesses across North and South Carolina. Founded on principles of client-first service, our team of experienced insurance professionals provides tailored solutions through a wide selection of carriers rather than being limited to proprietary products. With specialized expertise in health, life, long-term care, income protection, disability, and Medicare insurance, we prioritize personalized guidance to help clients navigate complex coverage options. Our team's combined decades of industry experience ensure informed decision-making, whether assisting with individual health plans, employer-sponsored packages, or retirement-focused Medicare strategies.Operating from our Cayce, South Carolina headquarters, we value transparency in all client interactions, offering perpetual complimentary consultations to evaluate insurance needs. Our agency grows primarily through client referrals, reflecting our commitment to building lasting relationships grounded in trust and exceptional service. We actively maintain industry knowledge through continuous research into evolving insurance products and regulatory changes, ensuring clients receive up-to-date advice. Whether addressing immediate coverage requirements or long-term protection strategies, our mission remains focused on empowering clients to make confident insurance decisions that align with their unique circumstances.
Services
Health Insurance
Life Insurance
Long-term Care Insurance
Income Protection Disability Insurance
Medicare Coverage
Medicare Advantage Plans
Individual Health Insurance
Small Group Health Insurance
Term Life Insurance
Cash Value Life Insurance
Highlights and features
- We operate as an independent brokerage offering multiple carrier options
- Our team maintains specialized expertise in Medicare and long-term care planning
- We charge no fees for our consultative insurance services
- We serve clients across North and South Carolina's diverse insurance markets
- Our brokers combine decades of insurance industry experience with continuous education
Services
Health Insurance
LifeTime Insurance provides individual and small group health insurance solutions that adapt to changing healthcare needs. Our brokers help clients navigate Affordable Care Act requirements, evaluate marketplace options, and identify employer-sponsored plans that balance coverage and cost efficiency. With expertise in premium assistance eligibility and carrier comparisons, we guide clients through complex enrollment processes while maintaining strict advocacy for their healthcare requirements.
Medicare Coverage
Our specialists assist pre-retirees and retirees with Medicare supplement planning, prescription drug coverage selection, and Advantage plan evaluations. By analyzing client health profiles and budget considerations, we identify coverage solutions that maintain continuity with existing providers while optimizing out-of-pocket expenses. We maintain annual certification requirements to ensure accurate guidance on evolving Medicare regulations and formularies.
Life Insurance
We offer term and permanent life insurance products that address income replacement, estate planning, and business succession needs. Our brokers compare policies from multiple carriers to find appropriate death benefit amounts, premium structures, and convertible term options. We specialize in helping small businesses implement key person insurance and buy-sell agreement funding while providing individuals with customizable coverage durations matching their financial obligations.
Long-term Care Insurance
Our agency specializes in long-term care policies that cover assisted living, nursing home care, and in-home support services. We help clients evaluate hybrid life insurance/long-term care options, inflation protection riders, and benefit triggers that align with family health history. With experience in designing policies for singles, couples, and widows, we ensure coverage adapts to potential 20-30 year retirement scenarios.
Income Protection Disability Insurance
We provide individual and group disability insurance solutions that replace income during work-impairing illnesses or injuries. Our brokers explain policy definitions regarding total vs. partial disability, elimination periods, and benefit durations. We assist self-employed professionals with customized coverage and help businesses implement cost-effective group plans that complement employee health insurance packages while protecting workforce financial stability.
People
Aubrey Fitzloff
Owner
Aubrey Fitzloff founded LifeTime Insurance Agency with over a decade of insurance expertise, focusing on health, life, and Medicare plans. She graduated from the University of South Carolina with business administration experience and prior customer service leadership.
Joshua Busbey
Agent/Broker
Joshua Busbey brings business administration experience from American Military University and over a decade in legal industry roles. He transitioned to insurance after serving in the South Carolina Army National Guard with multiple deployments.
Carol Willard
Agent/Broker
Carol Willard has 14 years of insurance customer service experience, specializing in Medicare solutions. She prioritizes personalized service through prescription coverage verification and preferred provider network alignment for South Carolina clients.
Alexis Burkett
Agent/Broker
Alexis Burkett joined LifeTime Insurance in 2025 with a Clemson University business analytics background. She combines customer service excellence from high-pressure retail management with insurance policy education expertise since joining the agency.
Questions
What makes LifeTime Insurance different from other brokers?
We operate as an independent brokerage offering multiple carrier options rather than proprietary products, ensuring unbiased recommendations focused solely on client needs.
What types of insurance do you offer?
We provide health, life, long-term care, income protection disability, and Medicare insurance solutions for individuals and businesses.
Which areas do you serve?
Our services cover all of North Carolina and South Carolina from our Cayce-based headquarters.
Are your consultations free of charge?
Yes, we provide perpetual complimentary consultations to evaluate your insurance requirements without any obligation.
What expertise does your team have?
Our brokers combine decades of experience with continuous industry education, particularly in Medicare, long-term care, and health insurance markets.
How do you help clients select coverage?
We present personalized options from multiple carriers while explaining benefits and limitations to support informed decisions.
Reviews (1)
Cristina Segarra
Dec 15, 2020
Report
Aubrey helped me with all the information I needed to make an informed decision that worked best for my business. Very professional, prompt and most of all honest! I highly recommend this company for your insurance needs.
