Insurance solutions across North Carolina.
Smarter insurance starts with experts who think a little differently — an independent insurance agency that understands your industry and what’s on the line for you. We specialize in a variety of insurance solutions, including personal insurance, business insurance, and life insurance.
As a family-owned independent insurance agency with offices in Clemmons, NC, Mocksville, NC, Lewisville, NC, and Graham, NC, we’ve built our business on helping to make our clients’ dreams and goals possible through innovative insurance solutions. We are proud to serve clients locally in Advance, NC, Bermuda Run, NC, Winston-Salem, NC, and North Carolina statewide.
We believe our clients’ financial security and quality of life deserve the utmost dedication, expert advice and personal attention from a trusted partner. As your local insurance advisor, we help you make smart decisions – protecting you from the unexpected and planning for the predictable. We’re here to put your best interests first and help you every step of the way.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Providing for Your Family
Risk Factor
Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?
Solution
Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.
Mortgage Payments
Risk Factor
After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.
Auto Payments
Risk Factor
Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).
Funeral Costs
Risk Factor
An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?
Solution
A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.
Protecting Your Retirement Savings
Risk Factor
Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.
Solution
Life insurance can help support a surviving spouse during their retirement.
Protecting Your Small Business
Risk Factor
If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.
Solution
A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.
Spousal Support / Income Replacement
Risk Factor
Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.
Solution
Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.
Life Insurance 101
Make sure your livelihood is protected.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
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IIGNC Insurance + Erie Insurance
We strive to uphold Erie Insurance’s long-standing commitment to service.
“Brad at IIGNC Insurance has really helped me navigate the coverage that I need. Home, auto, umbrella and life. Brad and his staff are very knowledgeable. I can honestly say that they know their products and take great care to get us the coverages that we need. These are the type of people we want to do business with and I have referred my friends and family to them.”
Mark Thorne
“IIGNC Insurance is remarkable… incredibly high service levels coupled with people who know their jobs inside and out. I’ve known Brad for over a decade and he is as solid and smart as they come. They handle the commercial policies for both of my businesses and all of my personal accounts.”
Tripp Harrington
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