The top-rated life insurance agent in Germantown, Maryland is Miguel Malca - State Farm Insurance Agent, rated 5.0 stars across 866 reviews. Other highly rated options include Klinger Insurance Group, Jay Jarvis - State Farm Insurance Agent, Antonio Tatis - State Farm Insurance Agent. This directory lists 17 life insurance agents serving Germantown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Miguel Malca - State Farm Insurance Agent | 20410 Observation Dr #112 | (240) 654-0204 |
| 2 | Klinger Insurance Group | 19785 Crystal Rock Dr STE 301 | (301) 428-4935 |
| 3 | Jay Jarvis - State Farm Insurance Agent | 20030 Century Blvd Ste 202 | (301) 569-6454 |
| 4 | Antonio Tatis - State Farm Insurance Agent | 20501 Seneca Meadows Pkwy Ste105 | (301) 528-5800 |
| 5 | Congressional Insurance Associates | 20440 Century Blvd #110 | (240) 912-4150 |
| 6 | CF Alliance Insurance Services | 20300 Seneca Meadows Pkwy #205 | (301) 515-9015 |
| 7 | Sam Moinzadeh: Allstate Insurance | 19725 Executive Park Cir | (301) 916-9600 |
| 8 | Preferred Insurance Solutions | 20030 Century Blvd #201 | (301) 428-3344 |
| 9 | Schaefer & Delauder Insurance | 13208 Executive Park Terrace | (301) 428-0282 |
| 10 | Peak Insurance & Benefit Services, LLC | 13216 Executive Park Terrace | (240) 361-2699 |
Miguel Malca - State Farm Insurance Agent serves the Germantown, Maryland area and surrounding Montgomery County communities. This agency specializes in providing life insurance policies designed to protect families and individuals against financial uncertainty. By focusing on personal risk assessment, the agent helps clients evaluate their coverage needs for different life stages. The office handles term life policies for temporary protection and whole life options for long-term financial planning.
Klinger Insurance Group provides a full range of life insurance products in Germantown, MD, helping clients secure financial protection for their families. The agency assists with policy selection, applying for coverage, and maintaining beneficiaries over time. Services include periodic policy reviews to ensure coverage remains aligned with changing life circumstances such as marriage, parenthood, or retirement planning. The company handles both whole life and term policies for a variety of local properties, including single-family homes, apartments, retail locations, and restaurants.
Jay Jarvis - State Farm Insurance Agent serves homeowners, property managers, and local businesses in Germantown, Maryland, offering life insurance policies designed to protect families and secure financial legacies. The agency helps clients navigate coverage options that address income replacement and final expenses. Common protections include term and whole life plans suited to different budgets and long-term goals. In addition to serving Germantown residents, the agency also covers the nearby communities of Gaithersburg and the broader Montgomery County area.
Antonio Tatis - State Farm Insurance Agent serves the Germantown, Maryland area and surrounding communities, handling a range of life insurance policies to help residents secure financial protection for their families. The agent works with clients to assess their coverage needs, from term to whole life options, focusing on long-term stability. The approach typically begins with a thorough review of the client’s current situation and future goals before recommending a suitable policy.
Congressional Insurance Associates in Germantown, MD offers both one-time policy consultations and recurring service options to adjust coverage as your life circumstances change. Life insurance plans provide financial protection for beneficiaries, covering final expenses, income replacement, and debt repayment. Agents here guide clients through term, whole, and universal policy choices, always assessing individual needs before matching them with appropriate products from multiple carriers. Service runs on a one-time, scheduled, or as-needed basis, depending on whether clients seek a single policy purchase or ongoing coverage reviews.
CF Alliance Insurance Services in Germantown, MD specializes in helping clients navigate life insurance policies, including term, whole, and universal options. Its general work includes reviewing coverage needs for income replacement, debt protection, and long-term financial planning. The agency assists with securing coverage during major life events such as marriage or retirement. It also helps clients prepare for potential health changes that arise during the annual enrollment season.
As local families consider how to protect their financial future, many in Germantown look for life insurance coverage that fits their budget and long-term goals. Sam Moinzadeh: Allstate Insurance helps residents understand available options such as term or whole life policies. The agency explains how benefits might support beneficiaries during difficult times. A typical initial step includes a complimentary needs assessment where your current coverage and personal situation are reviewed.
Preferred Insurance Solutions provides life insurance coverage to individuals and families in the Germantown, Maryland area. The agency specializes in term, whole, and universal life insurance policies tailored to long-term financial protection needs. These plans help clients manage final expenses, replace lost income, and support dependents after a death. Business owners may also secure coverage for key employees. The agency can serve clients in commercial sectors such as offices, warehouses, and food service operations.
Schaefer & Delauder Insurance provides life insurance services to residential clients in the Germantown area, ensuring families have the appropriate coverage for future needs. The agency also assists commercial clients in Maryland with business-related policies that protect their enterprises and employees. Their service area includes local communities where personalized consultation helps individuals select suitable plans from available options. After an initial policy is established, the agency makes regular contact to review coverage, address changes, and provide follow-up or repeat service between scheduled visits to maintain updated protection.
Peak Insurance & Benefit Services, LLC in Germantown, MD is known for guiding clients through life insurance options that address financial protection needs. The company assists individuals and families by helping them evaluate coverage amounts and policy types, including term and permanent plans. Services focus on matching clients with products designed to replace income, cover final expenses, or preserve assets. An additional service the agency can provide is offering a specialized review of existing policies to ensure adequate beneficiary designations.
What Does a a Life Insurance Agent in Germantown Cost?
Typical costs for life insurance in Maryland range from $25 to $150 per month for a healthy 30-year-old with a 20-year term policy of $500,000. Whole life policies can cost $200 to $500 per month for similar coverage. Costs vary by age health and coverage amount. This is general information not insurance advice.
About life insurance agents in Germantown
Life insurance agents in Germantown Maryland help residents choose policies that protect their families and meet state regulations. Maryland law requires agents to be licensed by the Maryland Insurance Administration and follow strict disclosure rules. Working with a local agent ensures you understand how Maryland estate recovery laws may affect your coverage.
Frequently Asked Questions
What licenses do life insurance agents need in Germantown Maryland?
Life insurance agents in Maryland must hold a valid license from the Maryland Insurance Administration. They must complete pre-licensing education and pass a state exam. Agents also need to renew their license every two years with continuing education.
How does Maryland law affect life insurance payouts?
Maryland has a two-year contestability period during which insurers can deny claims for misrepresentation. After that period, claims are generally paid unless fraud is proven. Maryland also has a 30-day grace period for late premium payments.
Can a life insurance agent help with Maryland estate recovery?
Yes a life insurance agent can explain how life insurance proceeds may be subject to Maryland estate recovery for Medicaid recipients. Proper policy ownership and beneficiary designations can help protect proceeds. An agent can guide you on structuring your policy to avoid recovery claims.
Life Insurance Agents in Other Maryland Cities
Aberdeen · Annapolis · Baltimore · Bel Air · Beltsville · Bethesda · Bowie · Catonsville · Clinton · Cockeysville · College Park · Columbia · Crofton · Eldersburg · Elkridge