Expertise.com

2024

Last updated:

Best Life Insurance Companies in Germantown

Our Recommended Top 14

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 Germantown 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.

3942Reviewed

2370Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
19785 Crystal Rock Drive, Germantown, MD 20874
  • Life Insurance
  • Health Insurance

Why choose this provider?

Klinger Insurance Group is a life insurance company that serves clients from Germantown and nearby areas. The firm provides whole, universal, and term life insurance to ensure security for the clients' loved ones. Aside from life insurance, policies for vehicles, businesses, homes, condominiums, and health are also available. Owing to its multilingual staff, Klinger Insurance Group insurance is able to accommodate clients who speak Vietnamese, Spanish, Chinese, Russian, and Korean. The company has been operating since 1993.

License Verified:

License: 111649

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 (135)
Facebook
5.0 / 5 (94)

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
18310 Montgomery Village Avenue, Gaithersburg, MD 20879
  • Life Insurance
  • Health Insurance

Why choose this provider?

Walker Poole Insurance is a Gaithersburg-based independent insurance agency that has been serving clients in Germantown and the surrounding communities since 1995. It offers child life, universal life, whole life, and term life insurance policies. It also provides long-term care, secondary home, rental property, off-road vehicle, classic car, and sinkhole insurance plans. Furthermore, the agency carries commercial property, business auto, workers' compensation, builders' risk, general liability, and employment practice liability insurance options. It has team members who can speak both English and Spanish.

License Verified:

License: 190058

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 (16)

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
843 Quince Orchard Boulevard, Gaithersburg, MD 20878
  • Life Insurance
  • Health Insurance

Why choose this provider?

The Lifetime Companies is a provider of life insurance plans to the residents of Germantown and the surrounding areas. Its life insurance process includes identification of life insurance amount, preliminary fact-finding, submission of information to carriers, medical examination, short and long-term disability, and re-examination of life insurance needs. It also offers individual health insurance, retirement planning, and assistance with group benefits. The Lifetime Companies partners with LPL Financial LLC to help employees with their retirement goals.

License Verified:

License: 107116

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 (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
845-M Quince Orchard Boulevard, Gaithersburg, MD 20878
  • Life Insurance

Why choose this provider?

Allied Partners Insurance Inc. is an independent agency that provides insurance services to clients in and around Germantown, specializing in life, business, auto, and home. In addition, the agency offers cyber liability insurance that protects businesses from client information theft and other cyber-related risks. It represents multiple carriers to customize policies, such as Erie Insurance, The Hartford, and Travelers. Allied Partners Insurance is a member of the Independent Insurance Agents & Brokers of America and the Hispanic Chamber Of Commerce Montgomery County.

License Verified:

License: 2132187

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.
3.9
Google
4.0 / 5 (40)
Yelp
3.0 / 5 (3)

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
364 Main Street, Gaithersburg, MD 20878
  • Life Insurance

Why choose this provider?

Capitol Benefits Independent Insurance Agency is a direct insurance company offering its proprietary products of home, life, auto, umbrella, group, and commercial insurance in the Germantown area. It has an in-depth knowledge of multiple insurance products and guidelines to serve policyholders. As an independent insurance agency, its priority is the client so that they may switch from one company to another without hassle. They are given unbiased, objective advice, and personal assistance from orientation to claims.

License Verified:

License: 99985456

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.
4.9
Google
5.0 / 5 (277)
Facebook
4.0 / 5 (25)

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
20030 Century Boulevard, Germantown, MD 20874
  • Life Insurance

Why choose this provider?

Preferred Insurance Solutions is a Germantown-based life insurance firm that has been serving the metro since 2000. The company uses its knowledge to assist individuals and businesses in choosing the appropriate insurance products for their needs. Preferred Insurance Solutions handles life insurance policies, business insurance for small and major enterprises, automobile insurance which can be combined with a homeowners' policy, and umbrella insurance packages. Its founder Lewis Hixson Lewis had 23 years of experience before establishing the business.

License Verified:

License: 151710

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 (16)
Facebook
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
622 Hungerford Drive, Rockville, MD 20850
  • Life Insurance

Why choose this provider?

Founded in 1979, The Insurance Store is a locally owned business that serves the insurance needs of residents and businesses in Germantown and the surrounding communities. It is an independent firm that carries life insurance plans like term life, universal life, group life, and whole life insurance. Additionally, it provides fixed annuities that help clients accumulate tax-deferred earnings as part of a retirement plan. It is licensed to offer insurance packages in Maryland, Washington, D.C., and Virginia.

License Verified:

License: 99927177

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 (63)

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
1 Bank Street, Gaithersburg, MD 20878
  • Life Insurance

Why choose this provider?

Rubin Insurance Agency is a family-owned company that has been serving Germantown and its surrounding metros for over 45 years. It offers both personal and business life insurance and assists its clients in finding the right policies and premiums. Its team of agents procures personalized plans that cover the needs of each client and conducts annual policy reviews and refinements to adapt to new needs and budgets. The company has insurance products on various personal and business lines and also handles financial planning services.

License Verified:

License: 2178815

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 (84)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
18237 Flower Hill Way, Gaithersburg, MD 20879
  • Life Insurance

Why choose this provider?

Christian Durand is a State Farm insurance and financial services agent providing service to clients in the Germantown community and surrounding areas. Located in Gaithersburg, his agency offers a range of insurance products such as term, whole and universal life, auto, homeowners', renters', small business, and workers' compensation. Christian is fluent in English, French, and Spanish. He has 18 years of financial service industry experience. He also has licenses in the District of Columbia and Virginia.

License Verified:

License: 2115309

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.
4.2
Google
4.0 / 5 (132)
Facebook
5.0 / 5 (26)

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
20440 Century Boulevard, Germantown, MD 20874
  • Life Insurance
  • Individual Plans

Why choose this provider?

Headquartered in Germantown, Congressional Insurance Associates has been offering life insurance solutions for individuals, businesses, and families since 2014. The independent company provides term life, whole life, and universal life to its clients. The company principals are Mike Herson and Ian Higgins, both of them having 10 years of experience in the insurance industry. Mike and Ian also have a combined 35 years of customer service expertise. Aside from life insurance products, the company can also aid with personal and commercial insurance policies.

License Verified:

License: 2141996

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
Facebook
5.0 / 5 (123)
Google
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
841 Quince Orchard Boulevard, Gaithersburg, MD 20878
  • Life Insurance

Why choose this provider?

Payne Insurance Associates is an insurance company serving Germantown and is led by its president, Michael J. Payne. The agency offers insurance coverage like life insurance, automobile insurance, homeowners insurance, renters' insurance, homeowners' insurance, general liability, and workers' compensation insurance. Payne Insurance Associates also provides interested clients with their flood insurance, motorcycle insurance, commercial umbrella, commercial property insurance, and Business Owners Policy. National General, Frederick Mutual, Safeco Insurance, American Modern, Scottsdale Insurance Company, and AIC are some carriers the agency has a working partnership with, offering clients many choices.

License Verified:

License: 154287

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)

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
182 Thomas Johnson Drive, Frederick, MD 21702
  • Life Insurance
  • Health Insurance
  • Group Plans

Why choose this provider?

Insurance Brokers of Maryland is an independent agency that has been serving individuals, families, and businesses in Germantown for more than 32 years. It offers multiple types of life insurance plans, including term life, whole life, and universal life insurance. It also deals with health, dental, and maternity insurance plans. The other products it offers include homeowners', auto, and business insurance. In addition, Insurance Brokers of Maryland works with more than 40 different insurance companies.

License Verified:

License: 4098

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.
4.1
Google
4.0 / 5 (57)
Facebook
5.0 / 5 (4)

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
24 Mont Vlg Avenue Suite D, Gaithersburg, MD 20879
  • Life Insurance
  • Health Insurance

Why choose this provider?

Juan Aguirre is an insurance professional who works at State Farm. He serves individuals and businesses in Germantown and the surrounding communities. He offers life insurance plans, such as term, whole, and universal, as well as health and Medicare insurance policies. Additionally, he provides property, pet, home, business, and auto insurance products. With over 30 years of experience, Juan holds a Life Underwriter Training Fellow designation. He speaks English and Spanish, allowing him to cater to a broad range of clients.

License Verified:

License: 2091194

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.
4.1
Google
4.0 / 5 (72)
Facebook
5.0 / 5 (7)

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
18516 Office Park Drive, Montgomery Village, MD 20886
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Group Plans

Why choose this provider?

Insurance One Group is a privately held company composed of experienced professionals providing assistance to Germantown clients with life insurance needs. It has numerous plans for personal policies that cover disability, pets, personal injury, autos, cars, and boats. It also assists in securing coverage for a company's employees, including voluntary benefits, workers' compensation, and employer-sponsored retirement. It also helps clients acquire industry-specific coverage. This company actively participates in various community causes.

License Verified:

License: 3000208194

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 (10)

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
––

FAQs

  • What are the most common exclusions in an accidental death and dismemberment insurance plan in Germantown?

    Drug or alcohol addiction, war or terrorism, self-inflicted injuries, and wounds resulting from pre-existing medical issues are some of the most frequent exclusions in a Germantown accidental death and dismemberment insurance policy. It is essential to thoroughly read the policy terms and conditions in order to comprehend any applicable exclusions and limitations.

  • In Germantown, is it possible to modify the death benefit of an adjustable life insurance policy?

    Yes, a Germantown adjustable life insurance policy permits the policyholder to modify the death benefits in accordance with their changing financial objectives and family situation. To better suit their circumstances, the policyholder may decide to increase or lower the death benefit amount. They can also alter their premium payments without impacting the death benefit or scope of the insurance.

  • Can creditors in Germantown seize the proceeds of a life insurance policy?

    No. The proceeds of a life insurance policy in Germantown are shielded from creditors, and the beneficiaries cannot be held liable for the decedent's debt. The death benefit, however, can go to the deceased's estate if the recipients are no longer alive. In order to ensure that their death benefit won't go to creditors directly, policyholders may think about designating a secondary beneficiary on their insurance policy.

  • How can you finance your Germantown irrevocable life insurance trust?

    To pay for your Germantown irrevocable life insurance trust, you can utilize a permanent life insurance plan, such as whole life or universal life. A term life insurance policy may also be used to fund your trust, but this rarely makes sense because you could outlast the term, and the trust would be left with nothing in it.

  • If more than one beneficiary is named in a Germantown life insurance policy, what happens to the death benefit?

    The death benefit may be dispersed in several ways if there are numerous beneficiaries specified on the life insurance policy in Germantown. The beneficiaries may decide on a method of distribution or the policyholder may designate the percentage or sum of money that each beneficiary is to receive. To prevent misunderstandings, it is crucial to specify the beneficiaries' shares in detail.

  • 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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