Schachte Insurance - Charleston, SC

Universal Life Insurance
Mortgage Life Insurance
Pensions and Profit Sharing Plans

Group and Individual Health Policies
Individual Retirement Accounts (IRA)
Long Term Care

Life insurance guarantees that a definite sum of money will be available to your survivors at an indefinite time in the future. It can provide instant cash to assure your survivors of a money source for fulfilling their immediate and future needs. Furthermore, proceeds from a life insurance policy are received income tax free by your survivors upon your death.

Why is a fidelity bond needed? The Pension Reform Act of 1974 requires that all fiduciaries of every employee benefit plan be bonded for no less than 10% of funds handled. The agents at Schachte and Gosnell Insurance can help you comply with this law.

Life Insurance

family

Whether it's protecting your family or business, covering a debt or mortgage, or funding a college education or retirement, life insurance is an essential tool to provide you and your family with financial peace of mind.
We offer a wide variety of term and permanent life insurance policies including those that provide discounted rates for nonsmokers and people with good health histories. Let us help select the right policy for you.

	Term Life Insurance		Permanent Life Insurance
•	Protection for a specified period of	•	Protection for your entire life.
	time.	•	Flexible premiums and coverage
•	Initial low cost.		amounts.
•	Ideal for covering a specific need.	•	Competitive interest rates in a tax-
•	Convertible to permanent life		deferred environment.
	insurance.	•	Accessibility to cash values.
•	Level premiums for 5,10,15,20, or 30	•	Unique policy guarantees.
	years.

Disability Income Protection

Disability protection is money to replace loss of earned income while you're totally disabled from sickness or an accident.

•	Worldwide, 24 hour-a-day coverage while on or off the job.
•	Choose from benefit periods of 2 years, 5 years, or to age 65.
•	Waiting periods available are 30, 60, 90, or 180 days.
•	Coverage is guaranteed renewable to age 65.
•	There are 5 different occupation classes.

Long-term Care

Long-term care expenses can deplete the assets you've spent a lifetime couple accumulating. And sometimes they can do it in just a few short years. We offer products to cover home-care cost. And our policies meet federal guidelines for tax-qualified long-term care insurance.

•	Protection for 2, 3, 4 ,5 years or for life.
•	Waiting period is days.
•	Increase in benefit options.
•	Home health care.
•	Home and community benefit.
•	Spouse discount.
•	Assisted living care.
•	Nursing home care.

Schachte & Gosnell Insurance
925-F Wappoo Road • Charleston, SC 29407
P.O. Box 31059 • Charleston, SC 29417-1059
(843) 571-5044 • (800) 756-5105 • Fax (843) 763-2227
schacteins@knology.net

Hours: 8:30 am - 5:00 pm, Monday - Friday

Business Insurance: President: Wayne K. Gosnell; Paula S. Patterson, and Nancy M. Miller, Commercial Risk Specialist

Personal Insurance: Carol D. Joyner, and Melinda D. Miller, Personal Risk Specialist