Expertise.com
2024

Last updated:

Best Life Insurance Companies in Baltimore

Our Recommended Top 19

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Baltimore Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

28225

Reviewed

16942

Curated

19

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
6405 Belair Rd, Baltimore, MD 21206

Why choose this provider?

Concrete Insurance is a life insurance agency in Baltimore that serves residents throughout the area. Its licensed insurance agents work with individuals to choose a policy that covers funeral arrangements, daily living costs, debt repayment, and tuition expenses, and helps protect their spouse's retirement funds. Concrete Insurance partners with several trusted insurance carriers, such as AIC, The Hartford, and American Modern Insurance. The company also offers personal and commercial auto and property coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
405 East Joppa Road, Towson, MD 21286
  • Individual Plans
  • Life Insurance

Why choose this provider?

Goldsborough Independent Insurance Services has been in the industry of providing comprehensive insurance products to clients in Baltimore and nearby areas for more than seven decades. The company offers both term and whole life insurance. Its staff also specializes in workers' compensation, cyber liability, homeowners', and business owners' insurance. Other personal insurance plans include coverage for recreational vehicles, condominium units, automobiles, and ATVs. Goldsborough Independent Insurance Services also handles commercial insurance such as commercial auto, commercial property, and employment practices liability.

License Verified:

License: 34805

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (23)
Facebook
4.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2 E Rolling Cross Rd Ste 151, Catonsville, MD 21228

Why choose this provider?

HBW Insurance Group Inc. is a locally owned independent insurance agency serving individuals and businesses in the Baltimore region and throughout Maryland, Virginia, and Washington, D.C. Its licensed agents assess clients' situations and help them choose health and life insurance plans that fit their budgets and needs. HBW Insurance Group Inc. works with an extensive selection of trusted carriers, including Safeco Insurance, Travelers, United States Liability Insurance Group, and Utica First.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Yelp
4.5 / 5 (22)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11550 Philadelphia Rd Ste 116, White Marsh, MD 21162

Why choose this provider?

Redmer Insurance Group is an independent Baltimore area insurance company that provides services for individuals and businesses. The agents help clients find the best insurance solutions, such as Medicare supplemental, long-term care, and disability coverage. Additional plans include term and permanent life insurance. The agency has long-term, solid relationships with top national and regional insurance carriers, including AIC, American Modern, and the Foremost Insurance Group, and it's a member of the Independent Insurance Agents and Brokers of America, Inc.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Yelp
5.0 / 5 (2)
Facebook
4.3 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
7324 Holabird Avenue, Baltimore, MD 21222
  • Life Insurance
  • Health Insurance

Why choose this provider?

C & E Insurance and Financial Services offers risk management solutions to families, individuals, and business owners in the Baltimore metro. It provides an array of insurance products and services, including life policies. The company assists clients in obtaining term and permanent coverages to protect them from financial losses caused by mortgage debts and unexpected death. It also handles health, homeowners', auto, BOP, and workers' compensation insurance. C & E Insurance and Financial Services works with various carriers like Nationwide and Progressive.

License Verified:

License: 3512

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (45)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
133 Defense Highway, Annapolis, MD 21401
  • Life Insurance
  • Whole Life Insurance

Why choose this provider?

Old Bay Insurance Agency is a risk management specialist that serves the Baltimore area. Its personal line of products includes life insurance, which involves furnishing custom policies that may either be whole life or term life. In addition to life insurance, the agents can help clients obtain umbrella, home, and classic car protection plans. Old Bay Insurance Agency is under the leadership of Neal Tatterson, whose career began when he worked for a national life insurance company in 1994.

License Verified:

License: 4714

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (57)
Facebook
5.0 / 5 (12)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6822 Harford Rd, Baltimore, MD 21234
  • Life Insurance

Why choose this provider?

Stastny Insurance Agency helps Baltimore residents find life insurance policies that match their goals and financial circumstances. Its selection of coverage plans includes policies such as individual and group life, disability, long-term care, and second-to-die insurance. Its partners with various carriers, including the Foremost Insurance Group and the Scottsdale Insurance Company, to provide clients with policy options. The agency also offers financial services. Stastny Insurance Agency and its staff have been helping clients find insurance plans for 30 years.

License Verified:

License: 17437

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.5 / 5 (12)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
600 Reisterstown Rd Ste 514, Baltimore, MD 21208

Why choose this provider?

The Columbia Group is a full-service health insurance company in Baltimore that serves clients throughout the area. The agents explain the pros and cons of each plan and make recommendations based on an individual's or family's situation and needs. It offers health, dental, travel medical, short-term, and Medicare supplemental policies. The Columbia Group works with an extensive selection of carriers, including CareFirst BlueCross BlueShield, United Healthcare, Independence Blue Cross, Kaiser Permanente, and Aetna.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (22)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
23 South St, Baltimore, MD 21202
  • Life Insurance

Why choose this provider?

Mason and Carter, Inc., is an independent company that offers financial investment solutions in the Baltimore metro. It provides an array of insurance products and services which include life policies. The agency creates personalized life coverages to protect policyholders from financial losses caused by debts and mortgages. Its agents also handle other personal and business plans, including home, car, umbrella, cyber liability, and commercial property insurance. Mason and Carter has been in business for 120 years.

License Verified:

License: 46

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (31)
Facebook
5.0 / 5 (18)
Yelp
4.5 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1200 E Fort Avenue, Baltimore, MD 21230
  • Life Insurance

Why choose this provider?

Ryan Nash is a State Farm insurance specialist who serves the Baltimore metro and the surrounding communities. He offers an array of personal lines of insurance, including life plans. He assists families and individuals in obtaining universal, whole, and term coverages. The agent also deals with policyholders who want to change their beneficiaries and policies. Nash helps customers acquire health, homeowners, car, BOP, and workers' compensation insurance. He can also accommodate clients who speak Spanish.

License Verified:

License: 185102

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (63)
Facebook
5.0 / 5 (18)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4132 E Joppa Rd Ste 110-842, Baltimore, MD 21236

Why choose this provider?

Anchorage Insurance Management is a risk management firm in Baltimore that has over 17 years' experience offering customized life insurance policies. The company's skilled coverage specialists access clients' situation and future needs to help them choose between a term or whole life insurance plan that can cover funeral expenses, beneficiaries' school tuition, living costs, and other obligations. Other products available include high net worth, specialty, business, umbrella, flood, boat, and recreational vehicle insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Yelp
4.0 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6100 Eastern Avenue, Baltimore, MD 21224
  • Life Insurance

Why choose this provider?

Cyndi Kuhn is an insurance professional who caters to business owners, families, and individuals in the Baltimore metro. She provides a range of personal plans, including life insurance. She helps customers obtain personalized term, whole, and universal coverages. The insurance agent also deals with health, homeowners', renters', BOP, and workers' compensation insurance. Kuhn has been a part of State Farm for more than 30 years. She is also an SVP Club qualifier and a Bronze Tablet recipient.

License Verified:

License: 60214

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (70)
Facebook
4.9 / 5 (54)
Yelp
5.0 / 5 (1)

Website
8609 Old Harford Rd, Baltimore, MD 21234
  • Life Insurance
  • Health Insurance

Why choose this provider?

Raul Braun is an insurance agent who works at State Farm. He serves individuals, families, and businesses in Baltimore and the surrounding communities. He offers different types of life insurance products, including term, whole, and universal. He also provides commercial auto, health, home, pet, and rental property insurance plans. Braun has been working in the financial services industry for over 34 years. He has received various State Farm awards, including the Bronze Tablet Qualifier and the Legion of Honor Qualifier.

License Verified:

License: 43022

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (11)
Facebook
5.0 / 5 (9)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8831 Satyr Hill Rd Ste 302, Baltimore, MD 21234

Why choose this provider?

Rosasco & Yetter Insurance Agency is a life insurance agency in Baltimore that's been serving individuals throughout the area since 1996. Its coverage specialists help clients make tough decisions about their family's financial future without them. Options include term, universal, and whole life insurance policies that cover funeral expenses, future tuition payments, and daily living costs. Rosasco & Yetter Insurance Agency also offers auto, motorcycle, homeowners, renters, mobile home, RV, and condominium insurance plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.7
Facebook
3.7 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
100 Light St Fl B1 Stop 3239, Baltimore, MD 21202

Why choose this provider?

Transamerica Affinity is a health insurance company in Baltimore that works with brokers, consultants, third-party administrators, and managing general underwriters to develop group insurance solutions. It provides supplemental health insurance programs, such as cancer idemnity, executive health programs, first diagnosis, hospital indemnity protection, and TRICARE supplements. The company also offers retiree health care programs, Medicare prescription drug plans, and life insurance, accidental death and dismemberment, and student accident insurance programs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
1.0
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10451 Mill Run Cir Ste 400, Owings Mills, MD 21117

Why choose this provider?

Maryland Premier Tag and Title is an insurance company in Baltimore with additional locations in Catonsville and Fallston. The coverage specialists work with individuals to assess their needs and help them find a comprehensive life insurance policy that offers protection for the family's future finances. Clients can choose between term and whole life policies that cover expenses for funeral arrangements, debt payment, and daily living costs. Other products include home and auto insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (23)
Facebook
5.0 / 5 (2)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5457 Twin Knolls Rd Ste 300-N4, Columbia, MD 21045

Why choose this provider?

T. L. Brown Insurance Group LLC is an insurance company near Baltimore that provides services for individuals and businesses throughout the area. Its licensed independent agents work on the client's behalf to find them a life insurance policy that fits their situation and needs. The firm offers term, whole life, universal life, and final expense plans. T. L. Brown Insurance Group LLC is partners with several reputable carriers, including Nationwide, Travelers, AAA Life Insurance Company, and American Modern.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14 West Saratoga Street, Baltimore, MD 21201
  • Life Insurance

Why choose this provider?

Kirby Insurance Agency is an independent agency that represents and assists in securing insurance plans for customers in Baltimore. Established in 1934, the agency represents a vast network of health insurance companies and educates clients of their life insurance options. Its agents help clients find policies that benefit their dependents in crucial ways, such as replacing the provider's lost income or paying for future educational expenses. Additionally, the agency offers other personal insurance plans including home, auto, and umbrella insurance.

License Verified:

License: 3222

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2505 Lord Baltimore Dr, Suite A, Windsor Mill, MD 21244
  • Life Insurance

Why choose this provider?

Ross Insurance Agency caters to the needs of clients in Baltimore. It provides personal clients with life, disability, home, renter's, umbrella, and auto insurance products. The independent agency handles commercial matters involving daycares, salons, barbers, estheticians, and commercial trucks. It offers insurance products from Allstate, Encompass, Maryland Auto Insurance, Progressive, and Safeco Insurance. The agency's owner, Zerita Ross, is affiliated with Women Elevating Women. Ross Insurance Agency has been serving clients for more than 29 years.

License Verified:

License: 2078404

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • In your whole life insurance policy in Baltimore, is the death benefit guaranteed?

    The death benefit amount's face value you select in Baltimore is assured, and the rate of return for the growth of your cash value in a whole life insurance policy won't alter. Additionally, throughout the duration of your insurance, the premium payment that you make on a monthly or annual basis will not change.

  • Can you lower the cost of your Baltimore life insurance policy if you give up smoking?

    It depends on why you gave up smoking in Baltimore. Your rate categorization will change from "smoker" to "nonsmoker," which will result in a cheaper insurance premium if you give up smoking to lead a better lifestyle. On the other hand, your life insurance rate will not go down and, in some cases, it can go up if you quit smoking due to a medical reason, like having lung cancer or being diagnosed with COPD.

  • If you were fired, would your Baltimore employer-provided life insurance coverage expire?

    Your Baltimore employer-sponsored life insurance will typically expire if you are fired. The conditions of your employer's benefits will determine when your coverage expires. After being fired, you'll need to see whether you can switch your group policy, get group coverage through a new employer, or acquire personal insurance in order to maintain life insurance coverage.

  • In Baltimore, when should your life insurance coverage be reviewed?

    At the very least, you should do a yearly assessment of your life insurance policy in Baltimore. However, regardless of how much time has passed since your last review, you should conduct one if you have experienced a major life event involving your health, family, or finances. Remember that major life events can alter your requirement for life insurance coverage and your choice of beneficiaries.

  • What are the advantages of changing your term insurance policy in Baltimore to a whole life insurance policy?

    You can get permanent coverage by converting your term insurance in Baltimore to a whole life insurance policy, frequently at a lower cost than if you buy a brand-new whole life insurance policy. It also assists you in obtaining permanent coverage when you've acquired a health problem that would preclude you from qualifying through the traditional underwriting process.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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