Frequently Asked Questions

How does the mortgage protection term insurance differ from other types of term life insurance?

The face amount under mortgage protection term insurance decreases over time, consistent with the projected annual decrease in the outstanding balance of a mortgage loan. Mortgage protection policies are generally available to cover a range of mortgage repayment periods, like 15, 20, 25 or 30 years. Although the face amount decreases over time, the premium is usually level in amount. Further, the premium payment period often is shorter than the maximum period of insurance coverage – for example, a 20-year mortgage protection policy might require that level premiums be paid over the first 17 years.

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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

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BUSINESS INSURANCE

Business owners in Harford and Cecil County can rest assured knowing there is a local, independent agent nearby able to access and customize insurance plans to meet the needs of your specific industry and situation.


 

Businesses, whether small or large, must have protection against injury or damage claims. Liability protection will offer you peace-of-mind in an age of multi-million dollar lawsuits.

As a business you are liable for accidents, mistakes or injury in which you or your employees may be involved. Commercial general liability helps your business by providing defense costs, covering damages, awards and legal expenses. Coverages include:

  • Premises & Operations: Protects you against injury claims, medical payments and being sued if a person is injured on your property.
  • Products & Completed Operations: Handles legal damages, defense costs or a product/service that was flawed or caused damage to a person.
  • Employment Practices Liability: Protects you against lawsuits brought up by your employees, including wrongful termination, harassment, discrimination and other employment-related offenses.