Navigating your maze of insurance options can be an undertaking. With so much at stake, choosing the wrong option can have severe consequences. Fortunately, in your quest to find the best insurance coverage for your family, you have a partner by your side the entire time—independent insurance agents.

At Mid Atlantic Insurance Financial our independent insurance agents are proven experts. They help you on your journey in becoming insured by providing you with the following three benefits.

They Explain Difficult Concepts

Insurance jargon can be confusing. From deductibles to indemnities, our independent insurance agents help you understand what each term. They also help you understand how your choices affect your finances. Armed with insider information about insurance, you can choose the best insurance for your family.

They Are Consultants during the Sale

Our insurance agents act as your consultants, providing you with information so that you can make an informed decision about your coverage. We want you to be satisfied with your insurance policy and will equip you with the tools you need to make an educated decision.

They Are Your Partners after the Sale Too

All too often customers are on their own when they purchase insurance from companies, but at Mid Atlantic Insurance Financial we are your partners the entire time you are our customers. Whether you are interested in updating your insurance in the future, or you simply want to add more insurance, we are here for you.

Our independent insurance agents are not salespeople, but consultants. They help you understand and choose the best insurance for your family, regardless of your situation. When you are ready to get insurance, call one of our agents or get a free quote online.

If you own a small business, one of the key components to success is by making sure you are prepared for the unexpected. Here are three insurance risks that every small business owner needs to know.

Risk #1: Liability Claims

Liability claims encompass more than just slip-and-fall cases or instances where a customer is injured while visiting your business location. These types of incidents can include situations where your employees accidentally damage someone else’s property, someone becomes ill from a product you created, or something entirely different. The key to understanding liability risk for your business begins with knowing that anything that injures a person or thing physically, emotionally, or financially could be constituted as a claim. With such a wide variety of different scenarios, it is important to make sure your business has adequate coverage for the industry you are in.

Risk #2: Damage to Property

Another insurance risk to be aware of is damage to property. We all know that storms, fire, theft, and vandalism can happen at any time. But if your small business were to have to replace all the tools and equipment necessary for everyday operations, would it be able to afford to do so? Preparing for the unexpected in this case means making sure your insurance policy covers as many critical items as possible.

Risk #3: Employee Injuries

From the moment you hire your first employee, you encounter the chance of an on-the-job injury. In our state, worker’s compensation insurance is required for all employers. But making sure you have this important coverage is only one small portion of managing this risk. Constantly remind staff about workplace safety procedures and have a strict guidance policy in place.

Find out more information about how a commercial insurance policy can help your business. Please contact our team at Mid Atlantic Insurance Financial today for further details.

If you’re considering investing in life insurance, it is imperative that you consider your many options. It’s also pertinent to speak with a qualified life insurance agent serving the Laurel, MD area. By speaking with this type of agent, you can rest assured that all of your life insurance needs will be met.

From assessing your individual needs to determining whether or not you actually need life insurance, an agent can explain the ins-and-outs of the various life insurance policies that are best suited for you. In addition to explaining the policies that are available to you, an agent can go over the common life insurance myths that people often fall for. It’s important that you don’t fall for these myths or you could end up losing out on benefits that are available to you and your beneficiaries. 

Life insurance myth #1: If you’re not married, you don’t need life insurance

Just because you aren’t married, this doesn’t mean that you don’t need life insurance. Life insurance funds are meant to be used as a beneficiary benefit to those you help support. For instance, if you have any children and they have yet to go through college, you may want to invest in life insurance to cover the associated expenses in the event that you were to pass away before they have completed their post-secondary education. 

Life insurance myth #2: Life insurance is always expensive

There are many life insurance policies that can be invested in at extremely affordable premiums. Some of the best policies and most inexpensive ones are term life insurance plans; however, depending on your exact needs, a permanent life insurance plan might be better suited. To learn more about your life insurance options, please contact an agent serving your area from Mid Atlantic Insurance Financial.

 

Living in Laurel, Maryland can be a lot of fun. Regardless of what kind of home you have, you may have pets. During the summer, you want to do all that you can in order to keep your pets as safe and as healthy as can be.

Dehydration can be a dangerous thing. The hottest times of the day are when you need to keep your pet inside. If you enjoy exercising with your pet at your side, do so during the early morning or late evening hours. Whenever you do take your pet outside, especially for long walks, bring a bottle of water for them to drink and remember to relax in the shade from time to time.

Whenever you are outside, you have shoes on as a way of keeping your feet clean and well protected. You need to do the same thing for your pets. The hot concrete can be very hot on the delicate pads of dogs and cats. There are adhesive pads, booties, and other forms of protection that you can purchase for your pet.

Ensure that your pets have access to plenty of clean water during the summer, whether they stay inside or outside. You can also mix in some wet food when you feed them dry food because this has approximately 70% water. It is an extra tip that can help them stay hydrated.

Some of the other things that you can do to keep your pet safe include:

• Never leave them in a parked car
• Use life vests on a boat
• Get them on heartworm medication

At Mid Atlantic Insurance Financial, we’re here to help you with home insurance and more. Call us today and let one of our agents help find affordable quotes for a policy that you can count on.

 

 

There are some things about Glenn Dale, Maryland we all love and would never change. The Splash Park, the friendly people, the variety of events and annual festivals in the area, and our relatively moderate year-round temperatures are among them. Of course we would change the Washington area traffic if we could, but we’ve learned there are some things you can’t change. The same can be said about your life insurance.

Life insurance premiums are based on a variety of factors. There are some factors you can’t change that affect your life insurance premiums, and there are those you can. Age, for example, is one of the biggest factors that impact premiums, but there is little you can do about that. You can keep in mind though, that the younger you are, the cheaper life insurance will likely be for you.

You can make some changes to your personal habits to positively impact premiums. If you are a smoker, giving up tobacco use will help. Those who are significantly overweight will likely pay more. Have a dangerous job or getting involved in risky recreational activities may also impact your rates negatively. Even a good driving record may help you secure more affordable premiums.

If you are considering life insurance, contact us. As an independent agency we have the ability to work with multiple companies in finding the best rates for you. We may also be able to help you by showing you how small lifestyle changes can save money.

If you are considering auto or homeowners insurance, try our online comparative quotes. You can get started from the convenience of any internet connection. Contact us today and learn more about how we work to save you money!

Bowie, Maryland has it all. We have easy access to the sports, entertainment and fine-dining options of Washington and even Baltimore, yet we are self-sustaining with our own amenities and services. Need quality healthcare? We have it. Schools? We offer solid public and a wide choice of private schools. We have our own shopping, parks and financial institutions. But if you are looking to borrow money, there may be an option even closer than one of Bowie’s banks.

Your life insurance policy could be the source for needed funds. You see, many life insurance policies, in particular whole life policies, build value the longer you have them. That means these policies will not only protect your loved ones in the event of your death, but they have a cash value that can be accessed while you’re living. To make it even more valuable, many policies have very attractive low interest rates for borrowing the money. These funds can be very handy and easily accessible in cases of emergencies or opportunities.

Should you die before paying the money back, the amount of your loan and any interest will be deducted from the face amount of the policy upon your death. Some view this cash value as a good way to force themselves to set money aside. If you don’t need it, you still have important life insurance coverage. If you do, it can be very helpful.

If you would like to know more about whole life insurance and how it can help you prepare for the future contact us. We are an independent insurance agency who can help you compare from multiple companies to make the choice appropriate for you. If you are in search of homeowners or auto insurance, we offer a convenient way to compare policies right from our website. Give it a try. We look forward to serving you.

Although Laurel, Maryland is a historic town, it is very young…at least in terms of its population. According to the 2010 U.S. Census the average age here is just 33.7 years old. In fact, 70% of us are 44 years of age or younger. That is good news, especially for those looking for term life insurance.

Term life insurance is insurance that covers the insured for a specific amount of years or “term”. It is often sold in periods of ten or twenty year terms. It is particularly valuable to cover a mortgage over the period of the loan. It is also very valuable in covering young families who need large amounts of life insurance. Since term insurance is generally less expensive the younger you are, the best age to buy term insurance is probably the age you are. It will likely only get more expensive.

Term insurance is less expensive than whole life insurance. This makes it an excellent choice for those who want to make sure that not only are their homes and debts paid for, but there is a large nest egg for those left behind. Often times they will want to make sure that a college education for any children is covered by their policy. As the years go by and the children grow up and mortgage gets paid down, the need for such a large amount of life insurance lessens.

If you are a part of Laurel’s youthful population, we invite you to see how affordable term life insurance can be. Contact us for a no obligation quote. If you are in the market for homeowners or auto insurance, you can get a comparative quote right online from our website.

As an independent agency, we search multiple companies for the right coverage at the best price for you. Contact us today and secure the future of your family.

We love the freedom to travel in America. Here in Washington, we know how popular travel is first-hand. The National Museum of History alone gets almost 8 million visitors per year. The National Air and Space Museum adds about another 7 million, while the Lincoln Memorial plays host to just over 6 million visitors. Estimates put total visitors coming into our area at about 20 million annually. Those of us who live in the Washington region can attest to the large amount of visitors based on traffic alone. Travel on any of the area interstates during rush hour and you may think those estimates low. But the ability to travel freely and maintain our independence in this country helps make it great.

It is why we enjoy being an independent insurance agency. While captive agencies can only choose from the particular company they represent, independent agencies have the opportunity to get quotes from multiple carriers. This puts captive carriers in a position of offering limited choices while independent agencies have a wider range of insurance products to choose from. This can be a significant advantage to consumers when searching for the best in life insurance, car insurance and homeowners insurance.

When you get life insurance from an independent agency, you can choose from a variety of products and prices. This freedom of choice allows you the ability to better select the right policy for you and your current situation. Now, you can get these comparative quotes for life insurance right online. Simply fill out our online form and you’ll be presented with a variety of choices.

Finding your best choice in life insurance is easier than ever with a visit to our website. Get the coverage you need affordably, when you contact us for your insurance needs. We are a Washington area independent agency working for you!

Washington is often listed as one of the healthiest states in the country. They have a low obesity rate, a high life expectancy rate, and have a large percentage of the population that is active. The Seattle-Tacoma metropolitan area has a wide range of options for recreation, as does the rest of the state.

When buying life insurance in Washington, many of these factors are considered. You’re living in a state that is known for its health. However, if you are sick, you need to consider how this is going to affect the cost of insurance because it may make it more expensive.

The insurance companies in Washington look at your health as a factor for establishing how to insure you. If they feel that you are not going to have the same life expectancy as the average person in the state, then it could affect what your insurance costs are because there’s the chance of having to pay out on the policy sooner.

The majority of life insurance policies will require you to list an illness. This will be done within the first application. In some instances, you will also need to submit a physical from the doctor, where your illness would be listed there.

Some policies can be obtained in Washington where you don’t have to list an illness in the application. This way, if you are sick, you can still obtain life insurance – and get it for a relatively affordable rate.

We have experienced agents to help you with life insurance. Let us know you’re sick so we can begin researching companies that don’t require such a reporting factor. Depending upon the actual illness, it may not even be a factor, though it’s a good thing to know in advance to avoid issue.

Laurel, Maryland is a medium-sized city that is showing a relatively large amount of growth every year. In comparison to the state average, the city is almost on par in terms of the median household income as well as house value. There are many things to do in Prince George County, including famer’s markets, microbreweries, and Montpelier Mansion.

When you shop life insurance in Laurel, it’s important to speak with agents who are familiar with what’s going on in Maryland. This ensures you are aware of the different life insurance companies as well as specifics to the state. A Maryland agent can disclose more about the specifics so you know what your options are.

Not knowing about what kind of life insurance you need can leave you in a lurch when you do meet your mortality. It’s not something you like to think about, but it is important so you have coverage for your family when you eventually pass on.

A life insurance agent can talk to you about such things as:

– Term versus whole

– Establishing the right term

– How much coverage you need

– An affordable premium

All of these factor in and therefore it can be advantageous to talk to life insurance agents. This ensures you are in the know about everything so you can make a more informative decision about a policy.

We can help with a life insurance policy in Laurel, Maryland. Our agents can take the time to do the research, help you understand the differences that exist between policies, and find a policy that works for your situation and your budget. This makes it easier for you to get what you need without settling for just any policy.

Contact us today and let us get started on helping you with a policy.

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