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Life Insurance Elkton MD

Do you have enough life insurance? Whether you are in a risky occupation or not, life insurance is part of a complete financial plan for everyone.

Roger L. Owens (RFC®), LUTCF, RHU
(410) 398-7082
104 Landing Lane
Elkton, MD
Company
RyMark Financial Services
Qualifications
Education: BS
Years of Experience: 26
Membership
IARFC, NAIFA
Services
Invoice, Portfolio Management, Pension Planning, Retirement Planning, Employee Benefits, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Healthcare Accounts, BuySell

Data Provided by:
Martin Smith
4800 Hampden Lane
Bethesda, MD
Company
Title: President, Wealth Management Advisor
Company: KingdomTrust Capital Management, Inc.
Education
Howard University, Bachelor of Arts
Regent School of Divinity, Candidate: M.DIV
Denver College of Financial Planning
Years Experience
Years Experience: 15
Service
High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Fee-Only Comprehensive Financial Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commi

Data Provided by:
Mr. Steven A. Aquino (RFC®), CSA
(410) 857-3331
63 E Main St Ste 102
Westminster, MD
Company
Aquino & Wolpoff Financial Group, LLC
Qualifications
Years of Experience: 15
Membership
IARFC, FPA, NAIFA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Retirement Planning, Seminars Work, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Education Plan, Healthcare Accounts, Charitable Foundations, Asset Protection, BuySell, Compensation Plans

Data Provided by:
Mr. Marc W. Mazer (RFC®), EA
(410) 902-8240
300 Redland Court,
Owings Mills, MD
Company
Marc Mazer Wealthcare Advisors
Qualifications
Education: BS Accounting -University of BaltimoreMS Taxation -University of Baltimore
Years of Experience: 20
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Pension Planning, Retirement Planning, Tax Planning, Tax Returns, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Education Plan, Asset Protection

Data Provided by:
DaRayl D. Davis (RFC®), CEP
(301) 316-0003
4710 Auth Place
Camp Springs, MD
Company
Financial Assurance Corporation
Qualifications
Years of Experience: 15
Membership
IARFC
Services
Invoice, Estate Planning, Pension Planning, Retirement Planning, Seminars Work, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Charitable Planning, Charitable Foundations, Asset Protection

Data Provided by:
Keith Al-Chokhachy, Certified Financial Planner(tm)
2751 Centerville Road
Wilmington, DE
Company
Title: Certified Financial Planner"
Company: Morgan Stanley Smith Barney
Years Experience
Years Experience: 8
Service
Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Fee Only Portfolio Management,Wealth Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rol

Data Provided by:
Mr. Alan P. Stokes (RFC®), CPA
(410) 560-2667
7 Deneison St
Timonium, MD
Company
Alan P. Stokes & Assoc, Inc T/A Century Accounting & Financial Services
Qualifications
Education: Graduate of University of Baltimore, 1975, with a Bachelor's Degree in Accounting;Sat and passed CPA exam in 1982;Series 6, 63, & insurance licensed;on going required CPE education/credits
Years of Experience: 12
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Retirement Planning, Tax Planning, Tax Returns, Employee Benefits, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, BuySell

Data Provided by:
Steven M. Katz (RFC®), CPA
(301) 694-9712
331 South Jefferson Street
Frederick, MD
Company
Money Concepts Financial Planning
Qualifications
Education: BS
Years of Experience: 11
Membership
IARFC
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Tax Returns, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Mortgage Loans, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, BuySell, Compensation Plans

Data Provided by:
James W. Eaton (RFC®), CLU, LUTCF
(301) 831-6560
4202 Green Valley Rd.
Monrovia, MD
Company
Prudential Financial
Qualifications
Education: BS
Years of Experience: 39
Membership
IARFC, MDRT, SFSP, NAIFA
Services
Invoice, Estate Planning, Business Planning, Retirement Planning, Stocks and Bonds, Mutual Funds, CD Banking, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, BuySell, Compensation Plans

Data Provided by:
Amy Allee
7972 Citadel Drive
Severn, MD
Years Experience
Years Experience: 10
Service
Pension for Highly Compensated Owners,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Business Succession & Liquidation Planning,Retirement Income Accumulation Planning,IRA, 401k, Roth IRA, QDRO Rollovers,Medicare Planning,Life Insurance,Investment & Portfolio Management,Retirement Income Distribution Planning,Business Income Tax Planning,401k Rollover From Employer,Wealth Management,Health Care Insurance,Retirement Planning,Insurance & Risk Management Planning,Asset Protectio

Data Provided by:
Data Provided by:

Life Insurance - Top Ten Most Dangerous Jobs

Provided By: 

Top Ten Most Dangerous Jobs

You might not think that you work in a dangerous job. You might just be surprised. However, according to the Bureau of Labor Statistics, the top 10 most dangerous jobs are:

  1. Timber cutters
  2. Airplane pilots
  3. Construction laborers
  4. Truck drivers
  5. Farm occupations
  6. Groundskeepers
  7. Laborers
  8. Police and detectives
  9. Carpenters
  10. Sales occupations

Groundskeepers? That one certainly wouldn't have been on any list of mine. Neither would sales occupations. After having worked in an office tower, Id have included window washers for sure. Which brings us to an important question; do you have enough life insurance? Whether you are in a risky occupation or not, life insurance is part of a complete financial plan for everyone. Having said that, if you're single and no one is depending upon your income for support, you probably don't need life insurance. But you should definitely have it if you fall into any of the following categories:

  • You're married and your spouse depends on your income
  • You have children
  • You have an aging parent or disabled relative who depends on your income
  • Your retirement savings, pension, or other cash accounts won't adequately support your loved ones after you die
  • You have a large estate and expect to owe estate taxes
  • You own a business

How do you figure out exactly how much you need? You can check out our insurance pages for more detail. Alternatively, you may want to contact an insurance agent or broker who can help you determine what type of life insurance is best for you and the amount of coverage you need.

Rule of thumb is that you should have enough life insurance to pay off your major debts. This would include your mortgage, your car loan and any other large outstanding loan (which could include credit cards). In addition, if you have children, you should factor in childcare for the surviving spouse and potentially money for college. If your spouse would not want to return to work while the children are young, you might have to factor in a living allowance for a number of years.

Keep in mind that every year your insurance needs could change. Perhaps you have a new addition to the family. Perhaps you've paid off the car loan. Maybe your oldest is now in college with a full scholarship. Review your life insurance coverage frequently and adjust as necessary. (This will be easier with term insurance than with whole life or other universal insurance .)

No matter...

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