Best Life Insurance Companies in Germantown

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Allied Partners Insurance Inc. logo

Allied Partners Insurance Inc.

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

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.

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Capitol Benefits logo

Capitol Benefits

364 Main Street, Gaithersburg, MD 20878
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  • Life Insurance

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.

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CF Alliance Insurance Services, LLC logo

CF Alliance Insurance Services, LLC

20300 Seneca Meadows Parkway, Germantown, MD 20876
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  • Life Insurance
  • Health Insurance

CF Alliance Insurance Services, LLC, serves clients in Germantown and the surrounding areas. As an independent insurance broker, it provides clients with access to multiple insurance carriers when they are looking to purchase life insurance. The company's insurance agents take time to assess the client's needs and preferences before suggesting a policy that matches their lifestyle. The agency is partnered with Safeco Insurance, Allstate, Progressive, and Trusted Choice. CF Alliance Insurance Services also offers home, auto, and health insurance.

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Christian Durand logo

Christian Durand

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

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.

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Congressional Insurance Associates logo

Congressional Insurance Associates

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

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.

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Insurance Brokers of Maryland logo

Insurance Brokers of Maryland

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

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.

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Insurance One Group logo

Insurance One Group

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

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.

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Juan Aguirre logo

Juan Aguirre

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

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.

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Klinger Insurance Group logo

Klinger Insurance Group

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

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.

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Payne Insurance Associates logo

Payne Insurance Associates

841 Quince Orchard Boulevard, Gaithersburg, MD 20878
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  • Life Insurance

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.

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Preferred Insurance Solutions logo

Preferred Insurance Solutions

20030 Century Boulevard, Germantown, MD 20874
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  • Life Insurance

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.

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Rubin Insurance Agency logo

Rubin Insurance Agency

1 Bank Street, Gaithersburg, MD 20878
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  • Life Insurance

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.

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The Insurance Store logo

The Insurance Store

622 Hungerford Drive, Rockville, MD 20850
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  • Life Insurance

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.

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The Lifetime Companies logo

The Lifetime Companies

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

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.

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Walker Poole Insurance logo

Walker Poole Insurance

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

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.

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Frequently Asked Questions

Q: Who should buy supplemental health insurance?

A: Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

Q: Can I buy health insurance anytime?

A: To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

Q: Can I buy health insurance that is not Obamacare?

A: When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

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