ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeLife Insurance AgentsMaryland › Germantown

Find Life Insurance Agents Near You in Germantown, MD

Browse life insurance agents serving Germantown, Maryland. Updated 2026-07-14.

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.

Showing 17 life insurance agents in Germantown, MDListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Miguel Malca - State Farm Insurance Agent20410 Observation Dr #112(240) 654-0204
2Klinger Insurance Group19785 Crystal Rock Dr STE 301(301) 428-4935
3Jay Jarvis - State Farm Insurance Agent20030 Century Blvd Ste 202(301) 569-6454
4Antonio Tatis - State Farm Insurance Agent20501 Seneca Meadows Pkwy Ste105(301) 528-5800
5Congressional Insurance Associates20440 Century Blvd #110(240) 912-4150
6CF Alliance Insurance Services20300 Seneca Meadows Pkwy #205(301) 515-9015
7Sam Moinzadeh: Allstate Insurance19725 Executive Park Cir(301) 916-9600
8Preferred Insurance Solutions20030 Century Blvd #201(301) 428-3344
9Schaefer & Delauder Insurance13208 Executive Park Terrace(301) 428-0282
10Peak Insurance & Benefit Services, LLC13216 Executive Park Terrace(240) 361-2699
MM
20410 Observation Dr #112
Miguel Malca - State Farm Insurance Agent
Life Insurance Agent · Germantown, MD

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.

KI
19785 Crystal Rock Dr STE 301
Klinger Insurance Group
Life Insurance Agent · Germantown, MD

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.

JJ
20030 Century Blvd Ste 202
Jay Jarvis - State Farm Insurance Agent
Life Insurance Agent · Germantown, MD

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.

AT
20501 Seneca Meadows Pkwy Ste105
Antonio Tatis - State Farm Insurance Agent
Life Insurance Agent · Germantown, MD

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.

CI
20440 Century Blvd #110
Congressional Insurance Associates
Life Insurance Agent · Germantown, MD

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.

CA
20300 Seneca Meadows Pkwy #205
CF Alliance Insurance Services
Life Insurance Agent · Germantown, MD

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.

SM
19725 Executive Park Cir
Sam Moinzadeh: Allstate Insurance
Life Insurance Agent · Germantown, MD

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.

PI
20030 Century Blvd #201
Preferred Insurance Solutions
Life Insurance Agent · Germantown, MD

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.

SD
13208 Executive Park Terrace
Schaefer & Delauder Insurance
Life Insurance Agent · Germantown, MD

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.

PI
13216 Executive Park Terrace
Peak Insurance & Benefit Services, LLC
Life Insurance Agent · Germantown, MD

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.

IN
12410 Milestone Center Dr Suite 600
Insuranceproservicesllc
Life Insurance Agent · Germantown, MD
(301) 701-3802
insuranceproservicesllc.com
CI
19745 Executive Park Cir
Clough Insurance Team
Life Insurance Agent · Germantown, MD
(301) 241-7181
MH
13224 Executive Park Terrace
Minhthao Ha - State Farm Insurance Agent
Life Insurance Agent · Germantown, MD
(301) 924-4557
FI
12410 Milestone Center Dr Suite 600
Farmers Insurance - Randolf Fonseca
Life Insurance Agent · Germantown, MD
(301) 279-9200
agents.farmers.com/md/germantown/randolf-fonseca
AI
21030 Frederick Rd ste h
Allstate Insurance Agent: Juste Pehoua
Life Insurance Agent · Germantown, MD
(301) 478-0900
agents.allstate.com/juste-pehoua-germantown-md.html
BS
19785 Crystal Rock Dr STE 211
Brokerage Services International, Inc.
Life Insurance Agent · Germantown, MD
(301) 540-8484
bsibroker.com
CI
12410 Milestone Center Dr
C Insurance
Life Insurance Agent · Germantown, MD
(800) 318-6040
cinsurancellc.com

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

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each life insurance agent's credentials and current standing with your state Department of Insurance.