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Life Insurance

life insurance policy with pen laying on it

Do I Need Life Insurance?

You are not planning to have a heart attack tomorrow, or get a cancer diagnosis, or accidentally step out in front of a bus. For that reason, and especially if you are young and healthy and have no dependents, life insurance probably isn’t for you. Or is it?
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Things To Think About

As with all insurance, life insurance plans are about preparing for the unexpected. We don’t plan to have a heart attack or meet an untimely end. We may fret about the unforeseen, but there are few ways to prepare for it. Life insurance provides a way to be prepared and get peace of mind.
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The main reason to buy life insurance is for financial protection for your family and dependents. If you are the sole income earner or the major provider in your family, then life insurance definitely makes sense. If you should die unexpectedly, your policy will help your loved ones pay your final expenses and potentially receive ongoing support. The amount they receive will depend upon the size of policy you buy.
family of four sitting on blanket in park

Frequently Asked Questions About Life Insurance

How much life insurance do I need?
This depends on your life circumstances. Life insurance can be used to pay off outstanding debt, replace income, or even putting your children through college.
Can I get life insurance if I smoke?
Yes, but rates for smokers are considerably higher.
What different types of life insurance policies can I get?
The most common life insurance policies are term, whole life, and universal life.
Can I designate multiple beneficiaries?
Yes, as many as you want and you can assign different percentages to each.
Who can I make a beneficiary?
You can designate anyone! Spouse, children, grandchildren, other family members and friends.
Can I borrow money from my life insurance policy?
Yes, if you carry a whole or universal life policy that has accumulated a cash value.

Contact

Address:
600 East Joppa Road
Towson, MD 21286

Telephone:
800-296-6645
410-296-6644

Email:
​contact@doerferins.com

Office Hours

Mon:  9am - 5pm
Tues:   9am - 5pm
Wed:  9am - 5pm
Thur:  9am - 5pm
Fri:      9am - 5pm
Sat:     CLOSED
​Sun:    CLOSED

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Our Baltimore Insurance Agency has been insuring businesses and residents of Maryland for over 30 years.
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  • Home
  • Business
    • Property
    • Business Auto
    • Commercial Umbrella
    • General Liability
    • Workers Compensation Liability
  • Personal
    • Home
    • Auto
    • Life
    • Boat
    • Motorcycle
    • RV
    • Tenant/Condo
  • About
  • Contact