Mortgage Protection Insurance
Protect The
Foundation.
Your home is more than an address — it's a legacy. Med Life Financial secures your family's future with mortgage protection built to last generations.
Who We Are
A family-run agency built on experience and service.
Med Life Financial is led by an uncle-and-nephew team who bring decades of discipline, leadership, and care to every family they protect.
President & CEO
Rick Barnes
With more than three decades in the insurance industry, Rick brings deep expertise and a proven record of building successful agencies. His leadership has guided countless families and agents alike, grounded in integrity, discipline, and a long-term commitment to doing right by the people he serves.
Managing Director
David Barnes
David served six years in the United States Marine Corps, where he developed the discipline and dedication that define his work today. Following his military service, he served as a law enforcement officer in Rock Hill, South Carolina, before dedicating himself full-time to protecting families through insurance.
Our Foundation
A standard set by family, for families.
Med Life Financial was founded on a simple belief: protecting a home means protecting a legacy. Led by Rick Barnes and his nephew David, our agency treats every client the way we'd treat our own kin.
Unwavering Security
We partner with top-rated carriers so your protection never wavers — no matter what life brings.
Family First
Every policy we write is designed to keep a roof over your family and a legacy in place for the next generation.
Personal Guidance
You're not a policy number. Rick, David, and our advisors walk you through every decision, one on one.
What We Offer
Mortgage Protection Insurance
Your mortgage is likely the largest debt your family carries. Mortgage Protection Insurance ensures that debt disappears when you can't be there to pay it — keeping your home in the family, exactly where it belongs.
- Pays off your mortgage if you pass away, so your family keeps the home.
- Living benefits can cover payments if you become critically or terminally ill.
- Level premiums that never increase as you age or your health changes.
- Fast, simplified underwriting — most clients are approved within minutes.
Careers at Med Life
Build a career. Build a legacy.
We're growing our team of advisors and looking for driven people who want more than a job — they want a future. Whether you're new to insurance or an experienced producer, Med Life Financial offers the structure, support, and earning potential to build something that lasts.
True Independence
Build your own book of business with the backing of a family-run agency and top-tier carriers.
Uncapped Commission
A transparent, generous commission structure that rewards effort with real, generational income.
Mentorship That Matters
Rick and David personally mentor new agents — you learn the business from leaders who've built it.
Let's Talk
Start the conversation.
Tell us a little about yourself and a Med Life advisor will personally reach out. No pressure — just honest guidance from a family that cares.