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Wherever and whenever you need.
It’s our job to protect you and what matters to you most.

Coverage You
Can Count On

Tailored insurance for
every stage of life.

Life Insurance provides a financial safety net for your family in the event of your passing. We offer several types of affordable plans for all ages, giving you the flexibility to choose the coverage that's right for you and your loved ones. With our reliable and secure life insurance policies, you can rest easy knowing your family is taken care of.



We provide quality health insurance plans that cover all of your medical needs, including preventive care, doctor visits, hospital stays, and prescription drugs. Our plans are designed to ensure you have access to the care you need, while also providing the financial protection you deserve. With our range of plans and services, you can find the coverage that is right for you and your family.




Our dental and vision coverage provides comprehensive coverage for a range of services, from routine check-ups and preventive care to more specialized treatments. With our affordable plans, you can rest assured that you and your family are receiving quality care at an affordable price.


Dental & Vision Coverage

Medicare & Optional Supplemental Benefits provide a comprehensive range of services to help protect you and your loved ones. Our plans include coverage for preventive care, hospitalization, prescription drugs, and more, giving you peace of mind knowing you're covered. With our supplemental benefits, you can customize your plan to fit your healthcare needs.


Medicare & Optional Supplemental Benefits

Travel insurance provides comprehensive coverage for healthcare costs while traveling, including coverage for medical expenses, emergency medical evacuation, and repatriation of remains. It also covers you for lost baggage, trip delays, and other unexpected expenses that may arise.




What We Believe!

 At the heart of our beliefs is the idea that everyone should have access to the best health plan tailored to their specific needs.

We understand that navigating the path to coverage can be perplexing and uncertain.

However, we are committed to taking your healthcare seriously both now and in the future.

Our mission is to personalize the benefits journey for each client. Whether you are in your working years or transitioning to Medicare coverage during your golden years, we stand as your dedicated care partner and trusted benefits specialist team, ready to guide you every step of the way.

Our goal is to protect what you care about most

Health and Life Agency since 2016 local to the Carolinas and serving the following states;

NC, SC, GA, TN, FL, VA, WV, MD, AR, Ok, MI, OH.

Get A Monthly Rate You Can Afford

Bright Horizons Benefits is dedicated to providing you with quality insurance options to suit your specific needs. Our experienced staff is always available to answer your questions and explain which policies are right for you. We work to connect you with the right provider to ensure your satisfaction.


Bright Horizons Benefits is the perfect choice for those in search of a reliable, efficient health insurance provider. With a wide range of plans to choose from and a commitment to providing high-quality coverage, your wellbeing is our top priority.


Bright Horizons Benefits offers a trustworthy and convenient insurance solution to help you protect the well-being of yourself and your loved ones. Our comprehensive services provide a secure and efficient way to manage your family's needs.


Life & Critical Care Insurance provides peace of mind and financial security for you and your loved ones. Our plans provide coverage in the event of a critical illness or death, ensuring that you and your family can remain financially secure in the face of an unexpected emergency. With Life & Critical Care Insurance, you can rest easy knowing that your future is secure.

Get More Info

Request A Life Insurance Quote

Life & Critical Care

We offer a range of affordable healthcare plans that are available 24/7. Our plans provide access to a wide range of healthcare services, from basic preventative care to more specialized healthcare. With our plans, you can rest assured that you have the coverage you need to stay healthy and protected.

Check Out Health Plans

Affordable Healthcare Plans 

Our Agent of Record Authorization Form allows you to authorize an agent to act on your behalf in the purchase of an insurance policy. This form is easy to use and will help ensure that all your insurance needs are met in a timely and accurate manner. With this authorization form, you can rest assured that your policy will be handled with care and professionalism.

Complete Form

Agent Of Record Authorization

You're probably


  • What are some questions to ask about health insurance?
    How much will I pay each month (monthly premium)? How much will I pay to see my doctor, visit urgent care, go to the emergency room or fill prescriptions (copays)? If I get the same care as last year, what would it cost? Does the bottom line fit my budget?
  • What questions should you ask before taking out an insurance policy?
    How much coverage do I need? ... What type of life insurance should I buy? ... How long will I need the policy? ... How long do I want to pay premiums? ... Will I need flexibility for my premiums? ... Will I need cash value? ... Who is protecting my family?
  • What are the 2 biggest reasons to get health insurance?
    Research shows that people who stay covered have better health outcomes, pay less out-of-pocket for medical care, and are less likely to go bankrupt.
  • 10 Essential Benefits of an Affordable Care Health Plan
  • What Income to Report for Affordable Healthcare Coverage.

Hello, My name is Darnette Porter. I am Your Benefits Champ! 


My schedule link is here: 

Not Sure What Kind Of Coverage You Need?

Let's Chat!

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