Best Life Insurance Companies in Silver Spring

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Last updated: October 1, 2022

American Preferred Insurance LLC

1021 University Boulevard East, Silver Spring, MD 20903

Life Insurance
Health Insurance

American Preferred Insurance LLC is an independent agency located in Silver Spring, serving clients in the metro area. The firm offers a range of personal and business lines, including life insurance. Clients may select between term life, whole life, or universal life insurance programs to protect their families in unexpected events. Some of its other products are home, auto, business, and commercial property insurance. Jorge Guzman, the firm's principal agent, has been in the industry since 2004.

Bethesda General Insurance

13975 Connecticut Avenue, Silver Spring, MD 20906

Life Insurance

Bethesda General Insurance is an insurance company that has been servicing Silver Spring for more than 50 years. It offers life insurance that can be utilized for different purposes, such as creating an inheritance for beneficiaries, paying federal or state taxes, increasing savings, and creating a charitable contribution fund. Additionally, term and permanent life insurance options are available. Its team of independent agents specializes in personal and commercial lines of insurance. They are fluent in English and Spanish.

Brown Insurance Group, Inc

12118 Heritage Park Circle, Silver Spring, MD 20906

Life Insurance
Whole Life Insurance
Term Life Insurance
Permanent Life Insurance Policy

Brown Insurance Group, Inc., works with multiple carriers to provide business and personal solutions in and around Silver Spring. The company carries life insurance options, such as whole, universal, and term life insurance policies, and guides clients in selecting which types suit their financial goals. Its insurance professionals offer coverage for long-term care, renters, properties, and casualties, including surety bonds. In addition, their license covers Virginia and Washington D.C. Brown Insurance Group has been in the insurance industry since 1995.

Charles Baum

11120 New Hampshire Avenue, Silver Spring, MD 20904

Life Insurance
Health Insurance

Charles Baum is an agent running an insurance office in Silver Spring. He helps clients with several insurance lines, including life, health, homeowners’, auto, and personal articles insurance. He offers whole life, term life, and universal life insurance options for various purposes. Charles employs a team to address inquiries and concerns responsively over the phone. He is fluent in English, Vietnamese, and Spanish. Seven members of his staff also speak Spanish.

Compass Insurance & Financial Services

3707 Dunsinane Drive, Silver Spring, MD 20906

Life Insurance
Health Insurance

Compass Insurance & Financial Services is an insurance agency that serves clients in Silver Spring. It offers insurance products such as life, auto, health, home, and commercial insurance. It also offers hard-to-place insurance products that provide coverage to clients who fall under categories outside the traditional mainstream insurers. The company has been in business for more than a decade. It is an independent agency that works with several different insurance carriers in the states of Maryland, Washington, and Delaware.

Georgetown Insurance

10010 Colesville Road, Silver Spring, MD 20901

Life Insurance

Founded in 1977, Georgetown Insurance is an independent agency that provides services in the Silver Spring area. It accommodates families and individuals who need assistance in purchasing life insurance plans. Georgetown Insurance also offers other personal policies such as renters', homeowners', auto, and personal watercraft insurance. It gives back to the community by supporting various charities, including National Ovarian Cancer Coalition and Marine Corps Toys for Tots. The company's managing partner, Remmie Butchko, has been in the insurance industry since 1991.

Gomez Insurance Co, Inc.

1700 Elton Road, Silver Spring, MD 20903

Life Insurance

Gomez Insurance Co, Inc., is an independent agency that has been serving Silver Spring and other communities in Maryland for over 15 years. It helps clients select insurance solutions that meet their coverage needs and long-term goals. Its life insurance products include term, whole, and universal life insurance as well as mortgage protection insurance. The agents from this company also assist businesses in acquiring builders' risk, cargo, cyber liability, commercial property, general liability, and liability insurance policies.

Harders Financial Group, Inc.

East Randolph Road, Silver Spring, MD 20904

Life Insurance

Harders Financial Group, Inc., is a life insurance firm that serves Silver Spring. The agency offers various life insurance options, such as term, whole, and universal life insurance. Its team of insurance professionals is committed to providing clients a tailored approach, depending on their personal needs. The team is led by Barbara Harders, an insurance professional who likes using simple words when discussing insurance with clients to help them clearly understand the entire process.

Omega Insurance Agency, Inc.

1031 Cresthaven Drive, Silver Spring, MD 20903

Life Insurance
Health Insurance

Omega Insurance Agency, Inc., is a family-owned brokerage offering a range of risk management solutions to clients in Silver Spring. These include health and life insurance and coverage for homes, automobiles, special events, and businesses. The brokerage has been in the industry since 1983, and it works with multiple insurance carriers to give clients various programs that match their needs. Its co-founder, James P. Crassas, has a master's degree in counseling and previously worked as a teacher. He can speak English and Greek.

R Labbe Insurance Agency

10014 Colesville Road Suite B, Silver Spring, MD 20901

Life Insurance
Health Insurance

Silver Spring-based R. Labbe Insurance Agency is an independent boutique agency that offers a full range of insurance services. Among the products it offers is life insurance, and its agents help clients pick the right kind of life insurance, such as term insurance and permanent insurance. The agency represents multiple preferred and standard insurance carriers, providing customers with a variety of coverage options. R. Labbe Insurance Agency also conducts policy reviews that seek to guide policyholders in understanding their coverage.

Universal Insurance Group

11161 New Hampshire Avenue, Silver Spring, MD 20904

Life Insurance
Health Insurance

Universal Insurance Group is a team of independent insurance agents serving the Silver Spring area. Its insurance professionals work with different insurance carriers to help clients find the best possible coverages for life, health, auto, and home insurance plans. Their life insurance products cover fixed annuities, mortgage protection, individual life insurance, and final expense insurance. Principal agent and founder Daniel Alvarez has been in the insurance industry for over 10 years. He serves in the board of directors of GIFT, a nonprofit assisting families.

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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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