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Individual Life Insurance in MD, VA, PA & WV

You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.

While it’s never easy to think about what will happen when you die, it’s important to be prepared to protect your family in the event that it happens.

An individual life insurance policy allows you to ensure your family’s finances are protected and that they can cover a variety of expenses that may crop up following your death. Your individual life insurance policy can cover:

  • Funeral expenses
  • Spousal support
  • Children’s expenses
  • Mortgage payments
  • Auto loan payments
  • Retirement savings
  • And more

How much you pay for an individual life insurance policy depends on your age, the type of insurance you take out, your health, and how much coverage you purchase.

Types of Individual Life Insurance Policies

There are three basic types of life insurance policies: term life, whole life, and universal life. What type you choose depends on your budget and your individual needs.

Term Life Insurance

With term life insurance, you pay premiums for coverage for a set period of time, usually between 10 and 30 years. If you pass away during the time you are covered, your beneficiaries will receive an insurance payout. 

Term life insurance premiums often are less expensive than other types of life insurance, but they also don’t appreciate in value over time like other types of insurance. 

Whole Life Insurance

Whole life insurance doesn’t expire after a set period of time. Your beneficiaries will receive a payout no matter when you die.

This type of insurance is more expensive on a monthly basis, but it can appreciate in value and you may be able to take out loans against the appreciated value during your lifetime.

Universal Life Insurance

Similar to whole life insurance, universal life insurance will pay out no matter when you die. The difference largely comes in your ability to borrow against your policy while you’re alive; it’s often easier to take out a loan against your universal life insurance policy than your whole life insurance policy.

However, if you take out a loan against your policy and don’t pay it back prior to your death, the payout for your beneficiaries will likely be significantly reduced.

Individual Life Insurance Agents

At Antietam Insurance, we’re committed to making sure we find each of our customers the right mixture of coverage at a price they can afford. If you’re in the market for any of our individual life insurance policies, contact us today for a quote!

How can life insurance protect you?
Use the yellow hot spots and explore how life insurance can help protect against common risks.
Providing for Your Family
Risk Factor

Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?


Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.

Mortgage Payments
Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a spouse or partner to carry.


A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home.

Auto Payments
Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.


A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs
Risk Factor

An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?


A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings
Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security.


Life insurance can help support a surviving spouse during their retirement.

Protecting Your Small Business
Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.


A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement
Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.


Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.

Let’s discuss your life insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate life insurance solution. There’s no obligation, just good-old-fashioned advice.
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Antietam Insurance Associates, Inc. offers comprehensive life insurance in Hagerstown and Boonsboro, Maryland and in Martinsburg, Falling Waters and Inwood, West Virginia ; also throughout Pennsylvania, including Greencastle, Waynesboro, Chambersburg and Mercersburg.
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