Month: August 2025

Do Stay-at-Home Parents Need Life Insurance?

Posted on by AgentInsure

Life insurance is often associated with the family’s primary breadwinner, but stay-at-home parents also provide immense value—just in ways that don’t show up on a paycheck. So, do stay-at-home parents need life insurance? In many cases, the answer is yes.

The Financial Value of a Stay-at-Home Parent

Stay-at-home parents may not earn a paycheck, but the work they do every day would cost thousands of dollars to replace. Tasks like childcare, housekeeping, transportation, meal preparation, tutoring, and more fall under their responsibilities. If the unthinkable were to happen, the surviving parent would likely need to pay for these services or reduce their own work hours, which could lead to financial strain.

How Life Insurance Can Help

A life insurance policy for a stay-at-home parent can provide critical financial support. It can help cover childcare expenses, household services, counseling or therapy for the family, educational needs, and time off work for the surviving spouse to manage the transition. Even a modest policy can ease financial stress during a difficult time, allowing the family to focus on healing rather than scrambling for support.

Protecting Your Family’s Way of Life

Life insurance isn’t just about replacing income—it’s about protecting your family’s way of life. Stay-at-home parents play a vital role, and insuring their contributions helps ensure long-term stability and peace of mind for everyone.

Contact Mid Atlantic Insurance Financial, Serving Laurel, MD

At Mid Atlantic Insurance Financial, we proudly serve Laurel, MD, and surrounding areas with the insurance products you need to stay protected. Contact our team today to learn more and speak with an agent about how we can assist with all your life insurance needs.

Choosing the Right Health Insurance Plan for Your Employees

Posted on by AgentInsure

If you’re a Maryland business owner, you’ll need to purchase commercial insurance to protect your business assets. It’s natural to have questions about the types of insurance that are right for your company. Our team at Mid Atlantic Insurance Financial invites all business owners in the Laurel, MD area to discuss their insurance policies with us. We’ve been working with companies like yours since 2005.

Choosing the Right Health Insurance Plan for Your Employees

There are several types of insurance your company will need. For example, you’ll need workers’ compensation insurance and health insurance to help care for your employees. According to Monster, before selecting your health insurance policy, consider sending a letter to your employees that includes a needs assessment for their health insurance requirements. Once you identify the needs of your employees, you can decide which type of policy to offer.

When selecting a health insurance policy, consider the costs your employees will pay and the amount your company will contribute for each enrolled employee. Our team can show you a wide range of health insurance policy options. These policies feature varying deductibles and copayments, which must be met before your employees’ healthcare expenses are covered.

Call Us for Your Appointment Today

We are a family-owned and operated insurance company. Our team at Mid Atlantic Insurance Financial has been dedicated to providing excellent client support and service for over 20 years. Companies in the Laurel, MD area have come to rely on the insurance guidance our team provides. Call us today to schedule an appointment, and let us have the privilege of working with your company.