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Life Insurance Providers La Plata MD

Life insurance is a type of insurance in which an insurer agrees to pay out a sum of money when the insured dies. This money goes to your beneficiaries who are predetermined by you. Beneficiaries tend to be the individuals who depended on the income you do/will generate. The younger you are when you get life insurance the cheaper the insurance premiums are and sometimes you can even lock in rates. Please scroll down for more information and access to the life insurance agents in La Plata, MD listed below that can explain more.

T. Bertram Tucker
12705 Halyard Place
Fort Washington, MD
Education
Howard University/1986
Years Experience
Years Experience: 7
Service
High Yield Bank Accounts,Income for Life/ Preserve Principal,Life Insurance,Long-Term Health Care Planning,Planning For Personal Finances & Budgeting,Education Funding & Financial Aid Planning,IRA, 401k, Roth IRA, QDRO Rollovers,Reverse Mortgage,Retirement Planning,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,401k Rollover From Employer,CD Alternative,Annuities,Annuity Ideas & Strategy Planning,Retirement Income Distribution Planning

Data Provided By:
Mr. John Martin Bernards (RFC®), CFP
(703) 549-5488
205 S Alfred St
Alexandria, VA
Company
The Harvey Group
Qualifications
Education: Bachelors in Economics and Marketing from The California Polytechnic State University, San Luis Obispo
Years of Experience: 10
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Retirement Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, CommOptions, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Education Plan, Asset Protection, BuySell, Compensation Plans

Data Provided By:
David Natoli
250 West Pratt Street
Baltimore, MD
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Disability Insurance,Retirement Planning,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Retirement Income Distribution Planning,Fee-Only Comprehensive Financial Planning,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Annuities,Alternative Asset Class Planning,Commission-Only Financial Planning (Full Disclosure),Estate Tax Planning,Education Funding &

Data Provided By:
Roger L. Owens (RFC®), LUTCF, RHU
(410) 398-7082
104 Landing Lane
Elkton, MD
Company
RyMark Financial Services
Qualifications
Education: BS
Years of Experience: 26
Membership
IARFC, NAIFA
Services
Invoice, Portfolio Management, Pension Planning, Retirement Planning, Employee Benefits, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Healthcare Accounts, BuySell

Data Provided By:
Mr. Randy H. Packett (RFC®), CEP, CSA
(410) 877-0027
2309 Bel Air Road, Suite B
Fallston, MD
Company
Chesapeake Senior Solutions, Inc.
Qualifications
Years of Experience: 28
Membership
IARFC, MDRT, FPA, NAIFA, GAMA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, personal Coach, Retirement Planning, Medicaid Planning, Tax Planning, Tax Returns, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Mortgage Loans, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Auto Home Insurance, Business Coach, Charitable Planning, Education Plan, Healthcare Ac

Data Provided By:
Mr. Guy R. X. Middleton (RFC®), LUTCF
240-482-4000 x 155
PO Box 326
Mount Vernon, VA
Company
Capital Asset Management Group
Qualifications
Education: AA, BS
Years of Experience: 14
Membership
IARFC, FPA, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Retirement Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Education Plan, Asset Protection, Compensation Plans

Data Provided By:
Charles Stough
1940 Duke St, Suite 200
Alexandria, VA
Company
Title: LPL Wealth Planner
Company: WealthPath LLC
Type
Investment Advisor Rep: Yes
Education
University of Oklahoma/MHR
University of Florida/BA
Years Experience
Years Experience: 7
Service
Pension for Highly Compensated Owners,Income for Life/ Preserve Principal,Alternative Investments,Retirement Planning,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Hourly Financial Planning Engagements,IRA, 401k, Roth IRA, QDRO Rollovers,Wealth Management,Annuities,Alternative Asset Class Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planni

Data Provided By:
Mr. Craig W. Schubert (RFC®), LUTCF
(410) 841-0028
2009 Tidewater Colony Way, B1
Annapolis, MD
Company
Business & Financial Strategies, LLC
Qualifications
Years of Experience: 21
Membership
IARFC, MDRT, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Executive Compensation Planning, Retirement Planning, Seminars Work, Employee Benefits, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, Education Plan, Asset Protection, BuySell, Compensation Plans

Data Provided By:
Mr. Allen J. Prettyman (RFC®), EA
(240) 246-0513
935 C. Russell Ave.
Gaithersburg, MD
Company
American Financial Services, LLC
Qualifications
Years of Experience: 28
Membership
IARFC, NAIFA
Services
Invoice, Pension Planning, Retirement Planning, Tax Planning, Tax Returns, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Long Term Care Insurance, Education Plan

Data Provided By:
Stephen A. Jolly (RFC®), CSA
(757) 499-9100
8501 Lasalle Rd Ste 303
Towson, MD
Company
Coastal Financial Corporation
Qualifications
Education: BS
Years of Experience: 23
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Trustee Service, Pension Planning, Executive Compensation Planning, Retirement Planning, Medicaid Planning, Tax Planning, Tax Returns, Seminars Work, Employee Benefits, Family Offices, Mortgage Loans, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, BuySell, Compensation Plans

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Understanding Life Insurance

By Joan Mitchell

When your employer breaks out the big box o’ benefits, you may be surprised to see that life insurance is on the table. If you’re like me, you probably thought that life insurance was only for wealthy fat cats and rednecks who want to fake their own death, collect on their policy, and escape to Mexico with their wife (who’s also their aunt). But while the vast majority of recent grads might think that they don’t need a life insurance policy, it’s not a completely cut-and-dry issue. Life insurance—like all insurance—can get pretty complicated, but we’ll try to cut straight to the chase: What is life insurance and what are the pros and cons for a twentysomething?

What Is Life Insurance

Simply put, life insurance is a type of insurance in which an insurer (e.g., State Farm) agrees to pay out a sum of money when the insured (e.g., you) dies. This money goes your beneficiaries who are predetermined by you. Beneficiaries tend to be the individuals who depended on the income you do/will generate. Long story short: if you are worried that if you die unexpectedly that any of your loved ones will be worse off financially, you should consider purchasing life insurance.

If your employer is serving you a policy on a silver platter (i.e., no extra monthly/yearly fees attached), then you should certainly jump on it. Even if they ask for you to slightly subsidize it (e.g., $10/month), still opt in. However, even if that small subsidy is too large for your current economic situation or your company isn't providing you with health insurance (and you're on your own), we ask that you still read on and consider acquiring a life insurance policy.

Deciding Whether or Not You Want Life Insurance

From a recent grad’s perspective, the pros and cons of purchasing life insurance are relatively straight-forward.

Reasons You Might Want Life Insurance

  • To take care of your spouse/kids/parents. If you have kids or you’re married and your spouse would be severely hurt financially by your passing, you need to look into life insurance, which will provide them with cash when you die. This should help soften the economic blow of your passing. Note: Even if you're single, your beneficiary could be your mom, granddad, sister, etc.
  • To Ensure Your “Insurability.” The people who underwrite insurance policies take into account a vast range of variables when calculating premium rates and determining your “insurability”—basically, how much of a risk the insurance company is taking on by insuring you. So if you have cancer or you’re a professional stuntman, you’re far less insurable than a healthy 23-year-old who works in advertising. Thus, most recent grads are highly insurable. This means two things: (1) you can pay relatively low premiums, and (2) getting life insurance now guarantees that the provider must continue to insure you as long as you keep up with your annual premium payments.
  • To Leave a Clean Slate. Morbid...

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