South Carolina State Employees

Who are we?

Flexible Benefits Agency, Inc. is a Columbia, SC based company that has provided SC State Employees with many insurance products and services since 1985.  The payroll deduction code is #143. 

Many state employees have retirement polices with companies like AIG, Allianz Life Insurance Company of North America, Life Investors Insurance Company of America, and ING.  We strive to only represent the most financially sound companies with the best products available.  We are not limited to any one company enabling us to offer the best opportunities for our client's retirement plannning. With twenty plus years of committed customer service, we look forward to continuing our relationship with the SC State Employees with the same enthusiasm, empathy, and prompt service that we have shown in the past. 

How can Flexible Benefits Agency, Inc. help you?

Research has shown that pre-retirees and retirees have three major concerns: 

1 – They don’t know how long of a retirement to plan for

2 – They underestimate their life expectancy

3 – They need face-to-face meetings with financial advisors/retirement distribution specialists to answer questions and provide guidance

The first two concerns actually require a crystal ball and although we do not have one, we do provide standard actuary tables that assist in retirement planning decisions.

Does this cost me anything?   NO!

Financial planners usually charge $100 to $300 an hour for work on portfolios OR a portfolio review fee of $1,000 to $3,000 per client.  As retirement distribution specialists, Flexible Benefits, Agency, Inc. will never charge an hourly rate or flat fee to assist any SC State Employee with their retirement planning.  Our free financial consultations also apply to state employee's spouses, parents, grandparents, or siblings.  In fact, all SC State Employee's relatives are included at no charge or fee for retirement planning and consultation. 

We offer our services free for three reasons:

1 - After experiencing over twenty years of enjoyable client relationships, it is simply a way to show our gratitude

2 - We are confident that many will utilize the proven strategies designed for their distribution solutions

3 - We are compensated by the participating insurance companies we invest retirement funds in allowing us to invest for you with no fees or hourly rates. When investing with variable annuities, mutual funds, and/or securities; fees and charges can be deducted from your principal. Emphasis is always placed on asset preservation and tax advantaged strategies based on the individual client's needs.

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