The top-rated life insurance agent in Frederick, Maryland is Danielle Leonard - State Farm Insurance Agent, rated 5.0 stars across 538 reviews. Other highly rated options include Adams Insurance Agency - A Relation Company, Kathy Schultze - State Farm Insurance Agent, Connie Phillips Insurance. This directory lists 24 life insurance agents serving Frederick.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Danielle Leonard - State Farm Insurance Agent | 1090 W Patrick St suite c | (301) 695-5244 |
| 2 | Adams Insurance Agency - A Relation Company | 474 Prospect Blvd | (301) 662-0340 |
| 3 | Kathy Schultze - State Farm Insurance Agent | 100 Tuscanney Dr E | (301) 694-6711 |
| 4 | Connie Phillips Insurance | 605 W Patrick St | (301) 662-5717 |
| 5 | Lindquist Insurance | 7430 New Technology Way Suite 120 | (301) 694-0008 |
| 6 | BMC Insurance, Frederick MD | 295 Bucheimer Rd B | (301) 698-5425 |
| 7 | Jose Nolivos at Comparion Insurance Agency | 5283 Corporate Dr Ste 302 | (301) 692-4144 |
| 8 | Escobar Insurance Agency | 45 Waverley Dr Suite I | (301) 620-0950 |
| 9 | Lebherz Insurance | 401 W Patrick St | (301) 662-0250 |
| 10 | Insurance Brokers of Maryland, LLC | 182 Thomas Johnson Dr Ste 202 | (301) 668-2233 |
Danielle Leonard - State Farm Insurance Agent serves the Frederick, Maryland area as a local life insurance agent. The agency provides coverage options designed to help individuals and families protect their financial futures. Life insurance can help provide income replacement and cover final expenses for loved ones. This office works with clients to assess their personal needs and select appropriate policies. Its services include term life insurance and whole life insurance in Frederick.
Adams Insurance Agency - A Relation Company in Frederick, MD provides a full range of services as a life insurance agent, assisting clients in selecting suitable coverage to protect their beneficiaries and long-term financial objectives. It offers ongoing policy review and support, helping ensure that coverage adapts to changing life circumstances and needs over time. The agency services a variety of property types, including single-family homes, apartments, retail establishments, and restaurants.
Kathy Schultze - State Farm Insurance Agent in Frederick, Maryland, serves local homeowners, business owners, and renters seeking life insurance coverage. The agency helps clients evaluate term and whole life policies to protect their families and financial futures. A typical consultation involves discussing income replacement, debt coverage, and final expense needs. The team also assists with policy adjustments as life circumstances change. Additionally, this agent provides service to residents in the surrounding communities such as Walkersville and the greater Frederick County area.
Serving Frederick, Maryland, and the surrounding communities, Connie Phillips Insurance handles life insurance policies designed to provide financial protection for families. The agency typically works with individuals seeking coverage that supports beneficiaries after a loss. For a standard job, the agent begins by reviewing a client’s current situation and income needs, then presents a suitable policy option for long-term stability.
Some insurance needs are met with a single policy purchase, while others require ongoing adjustments as life changes. Lindquist Insurance, a Frederick, MD life insurance agent, helps clients understand the difference when choosing coverage tailored to their long-term financial goals. Policies are designed to provide income replacement or cover final expenses, with beneficiaries designated at the time of application. Service for policy management, beneficiary updates, and annual plan reviews is provided on a scheduled basis as needed.
BMC Insurance in Frederick, MD offers specialized life insurance planning, along with comprehensive policy reviews and coverage adjustments to meet individual needs. The agency provides guidance on term, whole, and universal life products, helping clients navigate complex decisions about financial protection. Local agents work with residents to assess long-term obligations and income replacement strategies. As year-end approaches, the firm assists Frederick families in evaluating how their coverage aligns with estate tax implications and recent beneficiary designation changes.
Jose Nolivos at Comparion Insurance Agency works in the Frederick, Maryland area, helping individuals and businesses plan for financial protection. As a life insurance agent, the company specializes in policies that provide income replacement and coverage for final expenses. The agency can assist small retail offices with key-person coverage, advise food service operations on business continuity plans, and help warehouses arrange policies to protect against loss of a critical employee.
As the Frederick area transitions through seasons, families often reassess their financial safety nets. Escobar Insurance Agency responds by offering guidance on life insurance policies tailored to individual circumstances. Their work focuses on explaining how different coverage options can address long-term needs. Clients can explore term or permanent plans during a complementary discussion held at the agency’s local office. The process typically begins with a detailed review of current coverage and personal goals during an initial fact-finding session.
Lebherz Insurance provides life insurance services for residential clients in Frederick, Maryland, helping them secure financial protection for their families. The agency also offers commercial coverage for local businesses, addressing their specific needs within the community. Service extends throughout the Frederick area, ensuring that policyholders receive timely support wherever they are located. Assistance is available during regular appointments, and agents proactively follow up with clients after initial policies are issued to discuss any changes or additional coverage needs between visits.
Insurance Brokers of Maryland, LLC in Frederick, MD is known for helping clients secure financial protection through life insurance policies. The company guides individuals and families in selecting coverage suited to their income and future needs, offering options such as term and whole life plans. Agents work with local residents to assess obligations and long-term goals. As a specialty service, the company can also assist with final expense insurance to cover end-of-life costs.
What Does a a Life Insurance Agent in Frederick Cost?
Typical costs for life insurance in Maryland depend on age health and coverage amount. A healthy 35 year old might pay 25 to 50 dollars per month for a 500,000 dollar term policy. Older applicants or those with health conditions may pay higher premiums. This is general information not insurance advice.
About life insurance agents in Frederick
Life insurance agents in Frederick Maryland help residents find coverage that fits their needs and budget. Maryland law requires agents to hold a valid license from the Maryland Insurance Administration. Local agents can explain how state regulations affect policy options and beneficiary designations.
Frequently Asked Questions
What license does a life insurance agent need in Maryland?
In Maryland life insurance agents must hold a producer license from the Maryland Insurance Administration. This license requires completing prelicensing education and passing a state exam. Agents must also complete continuing education every two years to renew their license.
How long does it take to get a life insurance policy in Frederick?
The process usually takes between two and six weeks from application to policy issue. Some policies require a medical exam which can add time. Maryland allows a free look period of 10 days after you receive the policy to review and cancel if you choose.
Are life insurance benefits taxable in Maryland?
Life insurance death benefits are generally not subject to federal or Maryland income tax. However if the policy is part of an estate Maryland may apply estate tax for estates over 5 million dollars. You should consult a tax professional for your specific situation.
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