JW Group helps individuals and families across South Carolina and beyond navigate ACA Marketplace plans, Medicare, Life insurance, and Annuities — with one agent who stays with you year after year.
Most agencies hand you off to a call center. JW Group is a single independent agent — licensed across multiple states — who takes the time to understand your situation before recommending a plan.
If you're self-employed, between jobs, or your employer doesn't offer coverage, a Marketplace plan may be the right fit — often with a subsidy that lowers your monthly premium. I'll walk through your household income, current doctors and medications, and compare plans across carriers so you're not guessing which metal tier or network actually fits your life.
Good for: individuals, families, and small business owners who need major medical coverage outside of an employer plan.
Turning 65, retiring, or just want a second opinion on the plan you already have? I help compare Medicare Supplement and Medicare Advantage options side by side — what's covered, what it costs, and which doctors and prescriptions stay in network — plus other supplemental health coverage where it makes sense.
Good for: those newly eligible for Medicare, or anyone reassessing coverage during their annual enrollment window.
Term or permanent life coverage sized to what your family would actually need — final expenses, income replacement, a mortgage payoff, or a policy that builds cash value over time. We'll talk through your situation first so the coverage matches your life, not a generic formula.
Good for: parents, homeowners, and anyone whose income supports someone else.
For those closer to or already in retirement, an annuity can convert savings into a predictable income stream, or protect principal from market downturns. I'll help you understand the trade-offs — fees, surrender periods, guarantees — in plain language before you commit to anything.
Good for: retirees and pre-retirees looking for steady income or principal protection.
Long before becoming an insurance agent, I spent three decades in dental practice management across Iowa, Illinois, and Minnesota — handling patient benefits, billing, and the day-to-day realities of healthcare coverage from the inside. I saw firsthand how confusing and impersonal insurance can feel when no one takes the time to explain it.
That experience is why JW Group works the way it does: one agent, a real conversation, and no rushing you toward a plan that doesn't fit.
For more than fifteen years I've worked as an independent insurance producer, building JW Group into an agency that helps individuals and families sort through ACA Marketplace, Medicare, Life, and Annuity options — without being tied to a single carrier's agenda.
Being independent means my recommendations are built around your situation, not a quota.
JW Group, LLC is based in Spartanburg, South Carolina, and holds active insurance producer licenses in:
JW Group carries errors & omissions (E&O) coverage with prior-acts protection, so you can work with confidence knowing your coverage is backed by a properly licensed, insured agency.
Open Enrollment typically runs in the fall for coverage starting the following January. Outside that window, you may still qualify for a Special Enrollment Period if you've had a life change — job loss, marriage, a new baby, a move, or losing other coverage. I can help you check eligibility any time of year.
Your Initial Enrollment Period starts three months before the month you turn 65 and runs for seven months total. It's worth starting the conversation a couple of months early so there's no rush — and no gap in coverage.
A Medicare Supplement plan works alongside Original Medicare to cover gaps like copays and deductibles, generally with more flexibility on which doctors you can see. A Medicare Advantage plan is an alternative to Original Medicare, often bundling extra benefits, but usually with a more defined network. Which one fits depends on your health needs, budget, and travel habits — something we can walk through together.
No. Working with me costs the same as buying directly from a carrier or the Marketplace — commissions are built into the plan pricing either way. The difference is you get a dedicated person helping you compare options instead of navigating it alone.
Often, yes — employer coverage typically ends if you leave or lose your job, and the amount is usually a flat multiple of salary rather than what your family would actually need. A personal policy stays with you regardless of employment and can be sized to your specific situation.
An annuity is a contract with an insurance company designed to provide guaranteed income, often for life, in exchange for a lump sum or series of payments. Unlike a typical savings or brokerage account, it can offer principal protection or guaranteed payout options — with trade-offs like fees and limited access to funds that are worth understanding before you commit.
I'm licensed as an insurance producer in South Carolina, Florida, Iowa, Minnesota, North Carolina, and Wisconsin. If you're in one of these states, I can help directly — reach out and we'll get started.
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