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Life Insurance

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There are so many reasons why you should consider a life insurance policy, no matter how old you are.

Unfortunately, many people never start thinking about life insurance until they start to get old. The truth is, it’s never too soon to start looking into a good life insurance policy. If you have a family, a mortgage, or any kind of debts you should stop and consider what would happen if you were no longer around. Most people do not want to burden their loved ones if something tragic were to happen, yet so many people do not have life insurance policies.

From our Severna Park offices, we provide affordable life insurance to the people of Baltimore and throughout Maryland. Our policies are very affordable and we make them easy to obtain. When you decide to look into life insurance, there are four basic types to consider :

  • Whole Life – provides a fixed amount on your death, and may build cash value.
  • Universal Life – includes a money market-type investment that may earn a market rate of return.
  • Variable Life – has an investment fund tied to a stock or bond investment.
  • Term Life – is for a specified time and has no investment.

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with
such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

If you live in Baltimore, Columbia, or anywhere else in Maryland, we would love to work with you on a great life insurance policy. Contact us today to learn more.