Licensed independent insurance agent serving Maryland families and government workers. Expert guidance on Term Life, Whole Life, and Medicare solutions.
Virtual office - Licensed to serve Maryland (NPN: 19107979)
Perfect for Maryland government workers and professionals.
Build wealth while protecting your high-income MD family.
Cover funeral costs. No medical exam required.
We serve families throughout the Old Line State:
Baltimore • Frederick • Rockville • Gaithersburg • Bowie • Hagerstown • Annapolis • College Park • Salisbury • Laurel • Greenbelt • Cumberland • Westminster • Hyattsville • Takoma Park • Easton • Elkton • Aberdeen • Havre de Grace • Bethesda • and all Maryland communities
Yes! FEGLI often provides insufficient coverage. With Maryland's high cost of living (median income $98K), federal workers need additional coverage. Personal term life is more affordable than FEGLI long-term.
A healthy 35-year-old pays approximately $35-50/month for $500,000 of 20-year term life. Maryland residents have access to competitive rates.
Yes! We are fully licensed in Maryland (NPN: 19107979) and work with A-rated carriers approved by the Maryland Insurance Administration.
Enroll during your Initial Enrollment Period (3 months before turning 65 through 3 months after). Federal employees should coordinate with FEHB coverage.
Whole life provides guaranteed death benefit, tax-deferred cash value growth, and policy loans. Ideal for estate planning and wealth transfer for MD's high-income professionals.
Most need 10-12 times annual income. With Maryland median income around $98K, consider $750K-$1M to protect your family's high standard of living.
No obligation. Just honest answers from a licensed Maryland insurance expert.