Melanie Blackston, Life Insurance Broker
Melanie Blackston
Blackston Insurance Solutions
Life Insurance Broker Licensed in SC, GA and NC
6+ Years of Experience
Contact Details
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Location
Lexington, SC
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Website
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Facebook
Melanie Can Help With:
About Me
Hi, I'm Melanie, your local area Medicare and Life insurance advisor. I focus on simplifying the process of choosing a Medicare plan or a life insurance policy that protects you and your loved ones. You don’t have to figure it out alone — I’ll compare the best options and walk you through every step of the journey.
Directions to My Office
My Google Reviews
120 Total Reviews (5.0)
June 17, 2026
Mother & I had a Great meeting with Ms Melanie. She came to our residence as planned. She call prior to remind us of her visit. We couldn't ask for a more knowledgeable person. We can recommend Ms Melanie based on our experienced with her. Going forward we have more information on the Medical Insurance Process for Mother. If you dont ask you won't know. Ms Melanie was the answer I sure it will be the same for you. Don't hesitate, give her a call.
June 11, 2026
Mrs. Melody is a licensed insurance broker that has guided me through the Medicare Enrollment process. My broker has years of experience. For this cause I refer her to others in our senior citizen
June 7, 2026
Melanie was the best of the multiple agents I spoke with. She showed genuine concern about making sure we found the best plan. Recommend her to a close friend and he was impressed as well. We both are using her services and would recommend her to anyone.
June 4, 2026
Being a Veteran with many benefits Medicare is confusing but thanks to Melanie she made it easy. She is very knowledgeable and sincere, I would recommend her to everyone, you can't go wrong with her help and expertise!!!
June 3, 2026
Friendly, reliable & explains what health insurance benefits is best perfectly!
Q&A with Melanie Blackston
Do you have to pay taxes on life insurance benefits?
Answer: Life insurance death benefits paid to a beneficiary are generally income tax-free, meaning you do not have to report them on your federal tax return. However, there are specific situations where taxes will apply.
What is the most common mistake people make when buying life insurance?
Answer: The single most costly mistake people make is underestimating how much coverage they actually need. People frequently purchase small policies (often to cover only funeral costs) instead of securing enough death benefit to replace lost income, settle large debts like mortgages, and fund future expenses like college.
Can I cancel a life insurance policy if I change my mind?
Answer: Yes, you can cancel a life insurance policy at any time, but how much you get back depends on your policy type and when you cancel.1. If You Are in the "Free Look" Period What it is: A designated timeframe (typically 10 to 30 days depending on your state and insurer, such as a Progressive 30-day window) after your policy is delivered. The outcome: You can change your mind and cancel for any reason without penalty, and you will receive a full refund of the premiums you paid.
What is the difference between an independent agent and a captive agent?
Answer: A captive agent sells policies for only one insurance company. An independent agent is not tied to a single carrier and can shop policies from multiple companies to find the best fit for the client.
Are there life insurance policies with no waiting period?
Answer: Yes, life insurance policies with no waiting period do exist, meaning your beneficiaries are fully covered for natural or accidental death immediately upon your first payment
Is life insurance available for people over 75 or 80?
Answer: Yes, life insurance is widely available for individuals over 75 and 80. While term life policies are harder to qualify for, permanent and final expense (burial) policies are specifically tailored for seniors. Most options at this age do not require medical exams. The primary policy types available include: Final Expense / Burial Insurance: Small whole life policies (typically $5,000 to $25,000) designed to cover end-of-life expenses. They skip the medical exam, require only a few health questions, and rates are locked for life. Guaranteed Issue Whole Life: Ideal for seniors with serious health conditions. Coverage is typically capped around $25,000. There are no health questions or medical exams, but policies usually feature a 2- to 3-year waiting period before the full death benefit pays out for natural causes. Term Life Insurance: Some companies offer term policies for seniors up to age 80, though the terms are usually shorter (e.g., 10 years) and costs are significantly higher than for younger applicants.