Life Insurance
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Licensed in Maryland, Virginia, West Virginia, Pennsylvania, North Carolina, South Carolina, Arizona, Florida, Indiana and California
Tel: 301.219.9628
Fax: 301.882.7414
WHOLE LIFE
INSURANCE
Whole life insurance is a policy which is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date. Like most permanent life insurance policies, whole life also offers a cash accumulation component. Read on to learn more about the benefits of whole life insurance.
UNIVERSAL LIFE
INSURANCE
Universal life insurance is a type of permanent life insurance. With a universal life policy, the insured person is covered for the duration of their life as long as they pay premiums and fulfill any other requirements of their policy to maintain coverage. Like many permanent life policies, universal life insurance combines a cash accumulation component with lifelong protection. When you pass away, the policy's death benefit is paid out to your beneficiaries.
TERM LIFE
INSURANCE
Term life insurance, also known as pure life insurance, is a type of life insurance that guarantees payment of a stated death benefit if the covered person dies during a specified term. Once the term expires, the policyholder can either renew it for another term, convert the policy to permanent coverage, or allow the term life insurance policy to terminate.
Not Sure Which Plan Is For You?
Want to talk things over with a professional before you buy life insurance? That’s a great idea. Jay will listen to your needs, tell you about the best ways to meet those needs within your budget and types of life insurance policies available, then will help you decide. Whichever way you decide to buy, consider doing it soon!
REMEMBER the longer you wait to get life insurance, the more you’re likely to pay.
Jay did a fantastic job finding the insurance that meets our needs at the best rate. He knows the products very well and advocates for his clients. He's always professional and very responsive. We continue to recommend him to friends and family.
Amanda Lants
Jay: writing to express my gratitude for your impeccable assistance in helping me locate appropriate insurance options. It is fabulous you deal with so many companies and know each co's offerings, standards for qualifying a client, reputation for integrity and financial stability and for honoring claims. You are attentive to my needs and possess a pleasant, engaging personality. You advise and suggest but never pressure. You've earned my deep respect, and most importantly, my full trust.
Robert Terzian
Over the years Jay's knowledge and experience has brought us the comfort of feeling like we our discussing our finances with a trusted family friend.
Jason & Laura Barr