My family is my why—and the reason I believe protection planning should be handled before it becomes urgent.
I’m originally from Columbia, South Carolina, and a 2007 graduate of North Carolina A&T State University’s College of Business and Economics—Aggie Pride! I’m a man of faith, married to my college sweetheart for 17 years, and the father of three. I’m also a member of Omega Psi Phi Fraternity, Inc. and an entrepreneur who understands that protecting a family and protecting a business are often the same responsibility.
Martin Life & Annuity was born from personal experience. When my mother passed unexpectedly at age 53 without active life insurance, my younger brother and I had to manage funeral expenses while grieving. That experience showed me how quickly a family’s plans can be disrupted when protection is missing.
I earned my life insurance license to help families and business owners make informed decisions before a crisis. My approach is education first: understand who and what depends on you, identify the financial risk, and then evaluate appropriate insurance and fixed-annuity solutions.
For families, that may mean income replacement, mortgage protection, final expenses, or legacy planning. For entrepreneurs and business partners, it may include buy-sell funding, key-person protection, business debt considerations, and succession planning—coordinated with the client’s attorney and tax professional.
I’m grateful you’ve taken the time to learn my story. Let’s have a straightforward conversation about protecting what you’re building—at home and in business.
— Lance A. Martin, Founder and Insurance Professional