Frequently Asked Questions

Can an existing life insurance policy be used to provide for the repayment of an outstanding mortgage loan?

Yes: the purchase of a new mortgage protection term insurance policy is usually not required by the lender. An existing policy, either term or cash-value life insurance, can be used for many purposes, including paying off an outstanding mortgage loan balance in the event of the insured’s death.
Credit life insurance is frequently recommended in conjunction with the taking out of an installment loan when purchasing expensive appliances or a new car, or for debt consolation. Is credit life insurance a good buy?

Credit life insurance is frequently more expensive than traditional term life insurance. Further, if you already own a sufficient amount of life insurance to cover your financial needs, including debt repayment, the purchase of credit life insurance is normally not advisable due to its relatively high cost.


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Contact Information

Churchville location »
2907 Churchville Road, P. O. Box 70
Churchville, MD 21028

Elkton location »
211 West Main Street
Elkton, MD 21922



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.


Contractors, IT service companies, heating and air conditioning professionals and even marketing agencies need protection from negligence arising out of their particular services. Through specialized insurance companies, we offer coverage for lawsuits associated with employment practices, errors and omissions and many other types of professional liability, including network security and unprotected patents.

An extension of general liability, professional liability insurance protects you and your business from losses which your products or services caused. Common professions that require professional liability insurance policies include lawyers, medical professionals, real estate agents, non-profit organizations and private companies. Different types of professional liability include:

  • Directors & Officers Liability: Protects directors and officers of public, private and non-for-profit corporations
  • Employment Practices Liability: For claims arising out of employment disputes; protects individuals and companies from resulting damages and defense costs; examples: discrimination, sexual harassment, wrongful termination and wrongful discipline
  • Cyber Liability: Protects information assets from risks like computer viruses, malicious code and hardware theft
  • Technical Professional Liability
  • Errors & Omissions
  • Financial Services Liability