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Helping our clients with all their individual and group insurance needs since 1985 in Myrtle Beach, North Myrtle Beach, Little River, Surfside Beach, Conway, Garden City, Pawleys Island, Georgetown and Beyond. Client First, Inc. is a locally owned and operated brokerage firm that meets the needs of its clients with services such as group and individual health insurance, life insurance, short-term major medical, short and long term disability, supplemental/voluntary products, health savings accounts, employee benefits, and other insurance services.
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Established as FSI (Fernando Soto Insurance & Investments) in 1985 in St. Thomas, USVI, Fernando became a 2nd Generation Life/Health Agent. He insured approximately 2,000 government employees in the United States Virgin Islands and became the #1 Aflac Agent in the Caribbean. He retired from Aflac at the age of 32 - the youngest agent ever to do this.
Our clients in South Carolina who are insured through BlueCross BlueShield of South Carolina or BlueChoice HealthPlan now have access to Blue CareOnDemand, a telemedicine service that is included with your health plan. With Blue CareOnDemand, you can consult with a doctor using a smartphone, tablet or computer rather than visiting an office or urgent care facility.
It is best to discuss this with one of our agents, for Health Insurance, that is not a problem, however, your agent will advise you when applying for Life Insurance or Disability Insurance. It is best to discuss this with one of our agents when you are applying for Health Insurance, you'll want to make sure that your current medication is on the drug formulary of the Health Plan you choose.
As part of the American Rescue Plan Act of 2021, the current Administration has extended the SEP (Special Enrollment Period) for ACA Individual and Family health insurance plans. Call us for an appointment today! SEP this is a time you can sign up for health insurance. You may qualify for a SEP if you had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child. The flu season is currently in full swing throughout the U.S., with a larger-than-expected widespread outbreak.
Reviews (10)
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Barry Dagliere
Nov 19, 2021
Both Wanda and Karen provide excellent and courteous service. They will go the "extra mile" to get you the best coverage possible at a reasonable price.
Peggy Moore
Jun 19, 2021
Wanda Soto is AWESOME! Wanda explains everything fully! I am aging into Medicare (like a foreign language to me) She explained Part A and Part B, Medicare Advantage Plans vs. Medicare Supplemental plans! My husband is a transplant recipient wish we would have found her year's ago! We had the wrong agent working with us when he turned 65, my husband missed his open enrollment window which could potentially cost us thousands of dollars! Ms. Wanda ROCKS! also Karen is awesome at the front desk! I highly recommend them, and I will refer others to them!
Verlon Wulf
Feb 06, 2019
We have bee with Client First for close to 20 years. During that time they have always been our go-between to good rates, fairness, and what is right and good in the health insurance industry. They defend our employees when need be, and explain what needs to be clarified when coverage is confusing. They are our advocate for good health insurance for our employees.
Steve & Kim Sewall
Dec 28, 2018
Wanda was extremely helpful in explaining my options that was easy to understand vs. the health insurance terminology in the summary of benefits and coverage. Would definitely recommend Client First, Inc of SC.
Barbara McDarby
May 18, 2018
We have been in the area for almost a year. Wanda, from Client First has helped us transition from our health insurance coverage in NJ to SC. She is now helping my husband, who is aging into Medicare, with all his insurance needs. She is extremely knowledgeable and has a knack for understanding a persons insurance requirements. I would highly recommend Client First
Kevin Schafehen
Jun 27, 2016
My family used Client First (Mrs. Wanda) when we needed some help understanding Medicare and the options for supplimental care. She spend a TON of time educating us on the process/program (far beyond what I would have expected) and helped us make the best decision for our family. I truly felt like she cared about our interest and not just our money. I would recommend Wanda and Client First without hesitation and am so thankful for people/businesses like hers! Thanks again!
Roberta Biese
Nov 18, 2015
We recently moved here from Maryland and had to get new insurance for myself and my husband. Wanda took the time not only to get us set up with the best programs possible, but had very helpful suggestions along the way. She is very knowledgeable and knows the ins and outs of her industry. I can't thank her enough for the time she spent with us and now it's all taken care of! Their company name says it all -- they truly DO put the Client First!
Thom
Dec 02, 2014
My finance and I are getting married this year and before the cut off we decided at the last possible moment to look into health insurance. Client first was referred to use and we made an apointment. What I thought was going to be a quick pick something off the shelf and go process turned into something much different. I had no idea how complicated something like this could be and also really how important it is especially if we wanted to start a family.

Enter Ms. Wanda Soto, this lady is incredible. She explained to us in detail all about the different insurances and exactly what the "fine print" means in the contract. This I found really beneficial because I've heard several horror stories from family about loopholes in insurance which give the companies the ability to deny your claim. Ms. Soto went over the many different kinds of insurances in detail.

She even came in on Saturday to get us signed up before the deadline. Shes like a lawyer for your health. If you couldn't tell I'm really pleased and would refer hew and client first to anyone looking for Health Insurance. Cheers
Barbara Hopper
Oct 30, 2014
I was referred to Wanda Soto at Client First by a friend who was not able to help me with a Medicare Supplemental Insurance Policy. It has been a wonderful experience since my first contact with her office.receptionist Debbie was warm and friendly and most helpful. Unfortunately for me I am turning 65 and the information concerning Supplemental Medical and Drug policies is most overwhelming and I surely needed help. Wanda met with me for a good amount of time and thoroughly explained my options - she really knows all the information and was able to explain it in an easy, understandable way.

I met with her for a second time after I had reviewed everything and left her office enrolled in both Supplemental Insurance and a Drug Policy. Her office will keep me informed when it is time to review these policies. I am completely satisfied and look forward to a great relationship both professional and personal. I feel I have made a new friend. I highly recommend a visit to her office. I think you will be glad you did.
Joseph Whalen
Apr 01, 2014
We worked with Wanda to setup Health Coverage for our staff at our Meineke Car Care Center in Murrells Inlet. We were in a bind to get coverage set up quickly. Wanda and her team were able to get us setup within a few days of our initial visit. Wanda walked us through several options including Blue Cross-Blue Shield with different deductibles that would work well for our staff and our budget.

Thanks to Wanda we are able to offer our staff GREAT health care coverage at a fair price. We have found that having the ability to offer health coverage has allowed us to be more competitive when seeking new employees and attract higher quality candidates. Thanks Wanda and Client First of South Carolina