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.


Umbrella insurance for businesses provides additional protection in the event that your business exceeds its insurance limits on an underlying policy. Avoid financially devastating losses due to liability claims and lawsuits by purchasing extra protection on your business today.

While business owners, general liability and commercial auto insurance will protect your business in many situations, the aptly named “umbrella” insurance policy gives you even greater piece of mind in the event of a truly catastrophic event that could lead to injury or death.

As a business you can be held responsible for an incident that far exceeds the coverage of your underlying policies. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and property damage claims and ensure your assets are protected in the event of a multi-million dollar lawsuit.