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

Every vehicle comes equipped with side view mirrors but there are no instructions on how to properly set them. The idea may sound naive, but even some experienced drivers do not know how to efficiently use side view mirrors. If you can see the side of your vehicle while looking at your mirrors, they are not set properly. Side view mirrors are not intended to see what is directly behind you - that is why you have a rearview mirror. Side view mirrors, however, are intended to spot vehicles in your blind zone. When set properly, side view mirrors can help you avoid devastating auto claims.

Side mirrors should be turned away from the side of your vehicle so they reflect the image of cars in the left and right lanes that are approaching from the rear. Your left mirror should be set to relay the image of a vehicle after it has disappeared from your rearview mirror. The same goes for your right mirror. The previously described region is known as your blind zone. Although blind zones differ in severity, every vehicle has one. Unless you turn your body to look over your left shoulder, you cannot see an approaching vehicle in this spot.

How do you know if you have now set your mirrors correctly? Try this simple test: While driving in the right lane, watch an approaching car in the left lane through your rearview mirror. When it is no longer visible in your rearview mirror, it should appear in your left mirror. If it is not visible in your left mirror, you need to adjust it outward until it is even with you left rear fender. At that point, you should be able to view it by looking over your left shoulder.

Remember, each time the seat is adjusted for another driver, the side mirrors need to be adjusted accordingly!