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



Looking for insurance you can rely on at a price you can afford? With 45 years of experience serving clients throughout Maryland, Delaware and Pennsylvania, Lassen, Marine & Webster has the knowledge and resources to design a plan that’s right for you.


Protect yourself from the high risk of automobile, boat and RV liability by maintaining an adequate level of coverage for your particular situation. We have excellent policies available through reputable insurance companies and we will be happy to help pinpoint the coverages best suited to your needs.

Auto Insurance

It’s another monotonous Monday and you are in your car fighting traffic on your way to work. You’re sipping hot coffee and wondering how long it will be until your lunch break when, BANG!, another driver rear-ends you, sending you sailing into the car in front of you. Although you didn’t cause the initial collision, you could be responsible for the damage done. Your heart sinks as you wonder, “Am I covered?”

Lassen, Marine & Webster wants to prevent this gut-wrenching feeling by providing you with proper automobile coverage before any accidents occur. Available coverages include:

  • Bodily injury and property damage: caused by policyholder to someone else
  • Comprehensive: for damage to the policyholder’s car not involving a collision with another vehicle ( fire, explosions, flood & riot)
  • Collision: for damage to the policyholder’s car from a collision
  • Uninsured/underinsured motorists
  • Medical payments: personal injury protection; treatment of injuries to the driver & passengers of policyholder’s vehicle
  • Rental reimbursement

Boat Insurance

Boat insurance can be very confusing because boats may be insured in various ways. Whether you own a sailboat, jet-boat, canoe, personal watercraft or yacht, Lassen, Marine & Webster can offer you the coverage you need, including:

  • On-water towing & labor coverage
  • Fuel spill liability
  • Fishing equipment
  • Personal effects replacement
  • Water sports coverage

With so many boat insurance options available to you, talk to one of our knowledgeable agents who can help you obtain the policies that best fit your insurance needs.

RV Insurance

Recreational vehicles have special insurance needs in addition to what is offered with your auto insurance policy. Typically, these vehicles contain items not found in your daily automobile, including clothes, jewelry, computers, cameras, etc. Not only does RV insurance protect your valuables but also the people you are traveling with. Available coverages include: