The Easiest Way to
Get Your Client to
Accept the Settlement.

Yes. SC Code §20-3-130(D) explicitly authorizes the Family Court to require a spouse to carry and maintain life insurance to secure alimony or support obligations. The court considers the cost of premiums, insurability, insurance plans carried during the marriage, and the probable economic condition of the supported spouse upon the payor's death. This is settled law in South Carolina.

As an independent broker shopping 64 A-rated carriers, we can often find coverage for individuals who have been declined elsewhere. Different carriers have different underwriting guidelines for health conditions, age, and risk factors. If truly uninsurable, we'll provide documentation so you can present alternative security options to the court — but most people can be covered at some level.

The settlement agreement should designate your client as an irrevocable beneficiary, which prevents the payor from changing the designation without consent. We can also structure policy ownership so your client owns the policy on the ex-spouse's life — giving them full control over beneficiary designations and ensuring the payor can't lapse coverage. We work with your language to make sure the policy matches the decree.

Whole life and universal life policies with cash value are marital assets subject to equitable distribution. We can provide current cash value statements and help evaluate options — surrendering and splitting the value, transferring ownership, or maintaining the policy with adjusted beneficiaries. We help you understand what the policy is worth so your client gets a fair division.

We contact the insured party within one business hour of introduction. Many policies can be issued within 48 hours to 2 weeks depending on the amount and underwriting requirements. For court-ordered coverage with a deadline, we prioritize expedited underwriting and can often place temporary coverage while the full policy is being processed.

A prenup or postnup can require one or both spouses to maintain a life insurance policy as a condition of the agreement. If the higher-earning spouse dies, the policy funds the financial obligations written into the agreement — spousal support, wealth replacement, business buyouts, or mortgage payoff. Without insurance, those clauses are unenforceable at death. We place the policy at signing so the agreement is funded from day one, and we structure ownership and beneficiary designations to match your language exactly.

As early as possible — ideally while you're still drafting. Life insurance underwriting takes time, and if one party has health issues that affect insurability or cost, you need to know that before you finalize the financial terms. We can provide preliminary quotes and insurability assessments so you can draft realistic provisions. Then we place the policy to coincide with the signing date so coverage is active from the moment the agreement takes effect.

Because life insurance is the single easiest way to make your client happy with a settlement. A client who walks away scared about whether the checks will keep coming is a client who resents the process — and you. A client who walks away with a guaranteed policy backing every dollar is a client who tells everyone "my attorney thought of everything." It closes cases faster, generates referrals, and sets you apart from every other family lawyer in your market. The cost is a 30-second introduction to Wolf Financial.