About Culbreth Insurance Agency
At Culbreth Insurance, our mission is simple—empower individuals, families and businesses with the information they need to make confident insurance decisions. Since 1987, we have been dedicated to delivering knowledgeable guidance, reliable service, and personalized care to our customers across North Carolina, South Carolina, and Virginia.
Built on Family
Our Story
Our team
CEO
Rex Culbreth
Rex founded Culbreth Insurance in 1987 in Charlotte after many years with Independent Life Insurance. His goal was to help people explore different insurance options while fostering personal connections with customers. He takes pride in offering a no-pressure approach to guide you through health and life insurance decisions. For your convenience, we provide both in-person and online meetings. Even as technology continues to improve the insurance industry, he believes face-to-face meetings enhance customers' understanding of their options."
Licensed Insurance Agent
William “Chip” Halloran
With over 30 years of experience in consumer-based sales, I am licensed in NC, SC, and VA. I am passionate about helping people navigate their health insurance decisions, I excel in listening to customers and providing tailored options. As a Charlotte, NC local, I prioritize building strong customer relationships and am committed to delivering expert product knowledge. My dedication lies in understanding and supporting customer goals to ensure they receive the best possible service.
Why choose a brokerage?
Unlike direct insurance providers, Culbreth Insurance operates as a brokerage, meaning we are contracted with most major insurance carriers. This allows us to present multiple options rather than a single company’s plans, ensuring you have the flexibility to choose coverage that best fits your needs and budget.
Our trusted insurance partners
We work with leading insurance carriers to bring you a variety of health and life insurance options. Our relationships with these providers give us insight into their policies, allowing us to guide you to the most beneficial plans based on your situation.
What sets us apart?
Personalized Guidance
We take the time to understand your needs and offer tailored recommendations
No-Pressure Approach
Our priority is to inform and empower you, not to push specific plans.
Transparency and Trust
We clearly explain your options, pricing, and benefits so you can make informed decisions.
How we can help you
Whether you’re looking for health insurance for your family or business, life insurance for future security, or Medicare plans, we’re here to assist. Schedule an in-person or virtual consultation to discuss your options and find the perfect policy for your needs.