About the agency
A local agent who answers the phone
Tommy Fairey is an independent insurance agent serving Pelion, SC and the surrounding Lexington County area, helping families, self-employed workers and retirees choose coverage they genuinely understand.
Insurance should be explained, not sold
The insurance industry is very good at producing paperwork and very bad at producing clarity. Most people can name their premium but could not say what their deductible is, whether their specialist is in network, or what would happen financially if they were hospitalized next month.
This agency exists to close that gap. Every recommendation comes with the reasoning behind it, the trade-offs that go with it, and a plain-language summary of what you will pay and when. If a plan is a poor fit, you hear that too — including when the best move is to keep the coverage you already have.
Independent by design
Working as an independent insurance agent rather than a captive one is a deliberate choice. Appointments with multiple carriers mean the conversation can start with your circumstances instead of a single company's product list, and it means a health condition or an out-of-network doctor is a problem to solve rather than a reason to walk away.
Rooted in this community
Pelion is a small place, and reputation here is built one household at a time. Clients are neighbors — people met at church, at the ball field, at the feed store. That accountability shapes how this business runs: no pressure tactics, no plan you did not ask about, and no disappearing after enrollment.
It also means practical local knowledge is part of the advice. Which hospital systems people in this area actually use, how far a specialist visit really is, and which pharmacies are convenient all factor into a recommendation.
What you can expect
- A free consultation and a free quote, with no obligation and no fee at any stage.
- Plans from multiple carriers compared side by side on cost, network and coverage.
- Your doctors, hospitals and prescriptions verified before any recommendation.
- A direct phone number for claims, billing and enrollment questions after you are covered.
- An annual review so premium, network and formulary changes never go unnoticed.

Get in touch
Pelion, SC
(803) 682-2747
tfairey1@hotmail.com
Monday – Friday, 9:00 AM – 6:00 PM. Evening and weekend appointments available by request.
Lines of coverage
What this agency helps with
Health Insurance
Family and individual coverage plus Affordable Care Act (ACA) marketplace plans, with subsidy help so you only pay for the coverage you actually need.
Medicare Plans
Medicare Advantage, Medicare Supplement and Part D prescription drug plans explained in plain English, compared side by side, and reviewed with you every year.
Life Insurance
Term, whole life and final expense policies sized to your mortgage, your income and your family — no medical exam options available.
Independent Insurance Agent
One local agent, many carriers. Independent representation means the recommendation follows your situation, not a single company's sales quota.
Have a question about your coverage?
Ask it. Whether you are ready to enroll or just want a second opinion on the plan you already have, the conversation is free.