Frequently Asked Questions

How much life insurance should an individual own?

Rough “rules of thumb” suggest an amount of life insurance equal to 6 to 8 times annual earnings. However, many factors should be taken into account in determining a more precise estimate of the amount of life insurance needed. Important factors include:
  • Income sources (and amounts) other than salary/earnings
  • Whether or not the individual is married and , if so, what is the spouse’s earning capacity
  • The number of individuals who are financially dependent on the insured
  • The amount of death benefits payable from Social Security and from an employer sponsored life insurance plan
  • Whether any special life insurance needs exist (e.g. mortgage repayment, education fund, state planning need, etc.)

Please contact us for a precise calculation of how much life insurance is needed.

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Contact Information

Churchville location »
2907 Churchville Road, P. O. Box 70
Churchville, MD 21028
(800)519-8387

Elkton location »
211 West Main Street
Elkton, MD 21922
(800)519-8387

As your local insurance agent, Lassen, Marine & Webster is committed to building a strong, lasting relationship with its clients. These are the people who make it happen.

Account Executives

Robert J. Marine Jr., CIC
President
Phone: (800)519-8387 x1009
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Harry V. Webster Jr., CIC
Vice President
Phone: (800)519-8387 x1010
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Joe DiPerna
Executive Vice President
Phone: (800)519-8387 x1008
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Robert J. Marine III, CLCS
Account Executive/Marketing
Phone: (800)519-8387 x1007
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Commercial Lines Representatives

Mary Caponic, CISR
Customer Service Representative
Phone: (800)519-8387 x1003
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Evelyn Claus, CISR
Customer Service Representative
Phone: (800)519-8387 x1004
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Robert Chojnowski
Customer Service Representative
Phone: (800)519-8387 x1101
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Pam Callahan
Commercial Lines Executive
Phone: (800)519-8387 x1005
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Personal Lines Representatives

Judy Berg, CISR
Customer Service Representative
Phone: (800)519-8387 x1002
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Jennifer Webster
Customer Service Representative
Phone: (800)519-8387 x1001
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Tiffany May, CISR
Customer Service Representative
Phone: (800)519-8387 x1000
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Yvonne Peirce
Customer Service Representative
Phone: (800)519-8387 x1100
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Administration

William Pfingsten, CPCU
Account Executive/Technician
Phone: (800)519-8387 x1006
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