Frequently Asked Questions

Should term insurance or cash value life insurance be purchased?

Although a difficult question – one whose answer will vary depending on circumstances – several principles should be followed in addressing this issue. It must first be recognized that in any life insurance purchasing decision, there are at least two basic questions that must be answered:

  • How much life insurance should I buy?
  • What type of life insurance policy should I buy?

The first question involves an “insurance” decision and the second requires a “financial” decision.
The insurance question should always be resolved first. For example, the amount of life insurance that you need may be so large that the only way it can be afforded is through the purchase of term life insurance (which has a lower premium).

If your ability and willingness to pay life insurance premiums is such that you can afford the desired amount of life insurance under either type of policy, it is then appropriate to consider the “financial” decision – which type of policy to buy. Important factors affecting the “financial decision include your income tax bracket, whether the need for life insurance is short-term or long-term (e.g. over 20 years or longer), and the rate of return on alternative investments possessing similar risk.


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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.


No matter what your stage of life, life insurance offers stability for your family’s financial future. Because everyone’s needs are different, it is best to discuss the proper amount of life insurance you need to purchase with a licensed agent. With health insurance you protect not only yourself, but your family in the event of a medical emergency that can potential be very costly.

Life Insurance

Regardless of your age, marital status or gender, life insurance is a crucial step in planning for your future and your family’s future. Life insurance can fulfill promises and obligations to your loved ones after you are no longer living. For example, if your mortgage should be paid off in 15 years, make sure your life insurance policy adequately covers that period of time so that your family members are not struggling to keep up with payments after you are gone. Factors to consider when deciding on how much life insurance is best for you, include:

  • Projected medical expenses
  • Ages of your children
  • Whether you are the sole income provider
  • Anticipated funeral expenses

Life insurance creates a future financial plan that can continue to provide for your loved ones even when you no longer can. At Lassen, Marine & Webster we understand that each individual’s needs are unique and can help develop a policy that is right for you and your family.

Personal Health Insurance

The cost of medical care continues to skyrocket, making it even more important that your health insurance is protecting you from crippling medical bills. Health insurance protects not only you, but your family, in the event of a major medical crisis as well as with ongoing healthcare. Coverages include, but are not limited to:

[list of select coverages available]