Licensed in NC, SC, GA, FL & surrounding states
At Restore Benefits LLC, we help individuals and families understand their coverage, identify potential protection gaps, and explore solutions designed to help protect what matters most.
Health. Lifestyle. Family. Finances. Legacy.
Licensed Insurance Agents | Education Before Enrollment
Meet the founders
We're Ed and Tonya Bobbitt, the husband-and-wife team behind Restore Benefits LLC and licensed insurance agents.
We believe people deserve to understand their coverage before being asked to make important insurance decisions. That's why we listen first, help identify potential gaps, explain available options, and allow you to decide what makes sense for you and your family.
No pressure. No confusing insurance talk. Just education, conversation, and guidance.
Your Protection Shield
Protection is about more than having an insurance policy.
Explore the five areas of our Protection Shield to discover questions worth asking about your Health, Lifestyle, Family, Finances, and Legacy.
Click or tap each section of the Shield to explore.
Click or tap a section of the Shield above to explore that area of your protection.
Health
Do you understand what your health coverage will—and won't—help pay for when you need care?
Healthcare coverage can change as your circumstances change. Understanding your benefits, potential out-of-pocket costs, prescriptions, provider access, and supplemental protection can help you make more informed healthcare decisions.
Depending on your individual needs and eligibility, solutions may include:
Medicare Solutions • Health Insurance • Supplemental Health Coverage • Hospital Indemnity
Lifestyle
If a serious illness interrupted your income, could you maintain the lifestyle you've worked hard to build?
A major health event can affect more than medical bills. It may also affect income, savings, independence, and the lifestyle you've worked to create.
Understanding what protection you already have—and what may be missing—can help you prepare for the unexpected.
Depending on your circumstances and eligibility, solutions may include:
Living Benefits • Supplemental Protection • Life Insurance • Other Income-Protection Strategies
Family
If something happened to you tomorrow, would the people who depend on you be financially prepared?
Family protection is about helping the people you love maintain financial stability when life doesn't go according to plan.
Coverage that made sense years ago may no longer reflect your family's current responsibilities or needs.
Depending on your needs and eligibility, solutions may include:
Life Insurance • Living Benefits • Final Expense • Family Protection Strategies
Finances
Could an unexpected health event or longer-than-expected retirement disrupt the financial future you've worked to build?
Protecting your finances isn't only about accumulating money. It's also about understanding risks that could affect your savings, income, and financial independence.
Depending on individual circumstances, suitability, licensing, and availability, solutions may include:
Insurance-Based Financial Protection • Retirement Income Strategies • Annuities
Legacy
If something happened tomorrow, would your family know what financial protection you've put in place for them?
Legacy isn't simply about leaving money behind. It's about intentionally preparing for the people and priorities that matter to you.
Depending on your needs and eligibility, solutions may include:
Life Insurance • Final Expense Protection • Legacy-Focused Insurance Strategies
Start here
You don't need to know which insurance product you need.
That's why we start with a conversation.
We'll listen to what's important to you, review the protection you already have, help identify potential gaps, and explain options that may be worth considering.
You decide what makes sense.
A conversation, not a sales call. Ask us anything.
Start where you are
Featured topic
Many people think of life insurance only as protection for loved ones after death.
Certain life insurance policies may include Living Benefits that can provide access to a portion of the policy's death benefit following qualifying events, subject to policy terms and eligibility.
We help you understand how these benefits work so you can determine whether they may be relevant to your protection strategy.
Client experience
We're not in the business of one transaction and a goodbye. Our clients come back — for the next policy, for a referral to someone they love, or just to catch up on life. That ongoing relationship is the whole point.
Client stories are coming soon. We're gathering them the same way we do everything else here: with permission, in our clients' own words, and without embellishment. If you've worked with us and would be willing to share your experience, reach out — we'd be glad to hear it.
Let's talk
Whether you have a specific question or simply want to understand your current protection, we're here to have the conversation.
Restore Benefits LLC
The following applies to our Medicare products. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Restore Benefits LLC is a licensed insurance agency. We are not connected with or endorsed by the United States government or the federal Medicare program.
