Protection and Planning for Every Stage of Life
From life insurance and long-term care to retirement, Social Security planning, and home, auto, and commercial coverage, we help individuals, families, and businesses build a plan of protection and legacy.
Life Insurance
Life insurance is no longer just about a death benefit.
Long Term Care
You can control your care and preserve your assets.
Retirement
401(k) and alternative options to help you save for retirement.
Social Security Analysis
A Registered Social Security Analyst can guide you through your options.
Auto, Home & Umbrella
Bundle auto, home, and umbrella coverage to simplify your insurance.
Commercial Insurance
Protect your business, your property, and your people.
About Palmetto Life Group
Palmetto Life Group is an independent insurance agency serving San Antonio and all of Texas. We represent multiple carriers, so you get the right coverage, not just whatever one company happens to sell. From life insurance and retirement planning to protecting your home, vehicles, and business, we handle it all under one roof.
So what’s with our Agency name?
The Palmetto tree has a root system that helps withstand severe weather and damaging winds. The roots also help the tree survive in heat-stricken sandy soils. It not only thrives in harsh climates, but these trees can also bear edible fruit. The Palmetto tree is versatile and a true survivor despite the challenges these plants face. The image of Palmettos is considered a symbol of courage and strength along with integrity.
Much like the Palmetto tree, our agency is focused on helping individuals, families, and businesses with a plan of protection and legacy no matter what challenge they face.
How We Work With You
Our team here at Palmetto Life Group is licensed, trained, and tenured to help with a simple and direct process.
1. Initial Consult
2. Prepare Options
3. Review The Plan
4. Execute The Plan
5. Annual Review
Life Insurance
Almost every initial visit we have with a family or business about life insurance is well received by the fact that we offer Life Insurance that you do not have to die to use.
It’s no longer just about a death benefit. We will help you hone in on a blind spot of exposure when it comes to life insurance and living benefits. Download our brochure and let’s set a time to review options.
40 sec.
A stroke occurs every 40 seconds in the U.S.
3 in 4
American adults have at least one chronic condition
2.1M
New cancer cases expected in the U.S. in 2026
7.2M
Americans 65+ are living with Alzheimer’s dementia
Long Term Care
We help our clients plan ahead with smart alternatives to traditional Long Term Care insurance. The goal is simple: take steps now so that if you ever need care, you can control how you receive it, preserve your assets, protect your retirement, and spare your family and friends from having to become your caregivers.
Most people assume Medicare will cover long-term care. It covers very little, which means the cost can land squarely on you and your family. Planning early gives you more options, keeps you in control, and protects everything you’ve worked to build.
70%
Of people turning 65 today may need some type of long term care in their future
20%
Of those requiring care will need it for longer than 5 years
80%
Of care at home is provided by unpaid caregivers
Median annual cost of a private room in a nursing home
Retirement
401(k) Options
When it comes to 401(k) options, we are focused on making them easy for the employer and affordable for their employees. Palmetto Life Group is offering the benefits of a large-scale retirement plan with less of the hassle encountered with using traditional providers.
Traditional IRA, Roth IRA, and IRA rollovers
If you don’t have access to a 401(k), we can help you save for retirement with alternatives designed to grow over time while helping limit your exposure to market downturns. Whether you’re rolling over an aging 401(k) or starting a new retirement strategy, we’ll walk you through your options and build a plan around your goals.
IRAs can be a powerful tool for small business owners and individuals to meet their long-term financial goals.
Your interest compounds year over year, so even modest contributions can grow into a meaningful difference in your retirement savings over time.
Tax Deferred
Depending on the IRA, you can defer taxes on contributions now, or you can withdraw your money tax-free later if you meet Roth rules.
Lower Adjusted Gross Income
A tax-deductible IRA contribution lowers your adjusted gross income (AGI), which can mean a smaller bill at tax time.
Consolidating your qualified accounts into a single IRA can simplify and protect your retirement, while making it easier to keep contributing.
Auto, Home & Umbrella Insurance
Most people set their auto and home policies and forget about them until something goes wrong. At Palmetto Life Group, we shop your coverage across multiple carriers to make sure you’re properly protected and not overpaying. We bundle auto, home, and umbrella coverage to simplify your insurance and maximize your savings. And because we’re independent, we work for you, not for any one insurance company.
An umbrella policy adds a critical layer of protection beyond your standard policy limits, and for most Texas families, it costs around $30 per month.
Possible savings when bundling auto & home
Of U.S. homes are underinsured for their full rebuild cost
Texas drivers on the road without insurance coverage
Typical cost of a $1M personal umbrella policy
Sources: Insurance Information Institute; CoreLogic (Cotality); Insurance Research Council.
Commercial Insurance
Your business is too important to leave underinsured. Palmetto Life Group helps Texas business owners find the right commercial coverage, from general liability and commercial auto to business owner policies (BOP) and workers’ compensation. Whether you’re a sole proprietor or managing multiple locations, we build a protection strategy that fits how you actually operate.
As an independent agency, we shop your commercial coverage across multiple carriers so you’re not locked into one company’s products or pricing. We serve businesses of all sizes across San Antonio and throughout Texas.
40%
Of small businesses never reopen after a major disaster
Of U.S. small businesses are underinsured
Average cost of a slip-and-fall claim for a small business
Average cost to defend and settle an employee lawsuit
Sources: FEMA; Hiscox; The Hartford.
Have questions about Palmetto Life Group or our services? Visit our Frequently Asked Questions.
Social Security Analysis
Choosing when and how to claim Social Security is one of the most consequential financial decisions you’ll make and most people get it wrong. Research shows that 96% of retirees claim before their optimal age, leaving an estimated $182,000 in lifetime benefits on the table.
Justin Holland is a Registered Social Security Analyst (RSSA), a nationally recognized credential held by a select group of professionals trained to analyze Social Security claiming strategies. He provides a detailed, personalized analysis of your options based on your specific work history, health, household situation, and retirement goals. This isn’t a guess, it’s a documented strategy built around your numbers.
Average lifetime benefit lost by claiming Social Security at the wrong time
Of retirees begin claiming Social Security before their financially optimal age
Lower monthly benefit if you claim at 62 instead of full retirement age
Of Americans wish they had more knowledge about their Social Security benefits
Sources: National Bureau of Economic Research; United Income (Capital Group); Social Security Administration; AARP.