mobile menu

Maryland Life Insurance Agent

American Heritage Insurance Agency can help you choose the right life insurance policy to protect your family’s financial stability. Because we are an independent agency, we have access to policies from numerous providers, helping you explore different options until we find the policy that meets every item on your wish list. Based in Eldersburg, MD, we provide life insurance in Carroll County, Howard County, Baltimore County and throughout Maryland.

Types of Life Insurance We Offer

  • Term life insurance: choose your term, the amount of coverage and set your fixed payments for the term. Upon expiration of a term policy, you can renew it with higher premiums, get a new policy or sometimes convert it to a permanent policy. A term policy can be a great solution for someone looking for temporary coverage or not being able to afford the permanent policy at the moment.
  • Permanent life insurance: insure your life and build cash value that you can later use to take out a loan or withdraw. A permanent policy offers comprehensive coverage and consistent premiums that don’t increase over time. Some permanent policies even have provisions for periods of unemployment and provide coverage for multiple beneficiaries in the same policy.

Our team understands the ins and outs of life insurance and will work to tailor a life insurance plan for you and your families needs, looking at your age, health, estate, and more to ensure that your family is covered should something happen.


What Life Insurance Can Pay for

A life insurance policy offers protection for your family during hard times and has many uses. Here are some of the basic expenses it can help cover in the event of your passing.

  • Medical bills
  • Funeral costs
  • Mortgage/rent
  • College tuition
  • Estate taxes
  • Other living expenses

Life insurance can also be used to leave a legacy by establishing a fund in your memory or making a charitable donation. A permanent policy has even more benefits, and allows you to add liquidity to otherwise fixed assets like real estate. By taking out a life insurance policy in the value of a home, you can avoid having to sell that home in order to divide your wealth among your children.

Have questions about life insurance? Give us a call or contact online for a quote or to speak with a Maryland life insurance agent.

What Our Clients Say...

Over and above the time, effort and saved dollars that you put into earning our business – your careful attention to detail in getting our coverage right is what mattered the most. Thank you for educating me about the differences in coverage and for reallocating our insurance dollars to minimize our exposure while maximizing our policies.

- Eric L, President of Jeffrey Press, Inc.

Click here to view the areas that we serve

Frederick County: Frederick (21701, 20702, 21703, 21709), New Market (21774) , Mount Airy (21771), Urbana (21704), Ijamsville (21754), Walkersville (21793), Libertytown (21762), Damascus (20872), and more.

Howard County: Clarksville (21029), Columbia (21044), Cooksville (21723), Dorsey (21075), Elkridge (21075), Ellicott City (21043), Fulton (20759), Glenelg (21737), Glenwood (21738), Granite (21163), Hanover (21076), Highland (20777), Jessup (20794), Lisbon (21765), Marriottsville (21104), North Laurel (20723), West Friendship (21794), Woodbine (21797), Woodstock (21163), and more.

Montgomery County: Olney (20832), Damascus (20872), Laytonsville (20882), Silver Spring (20910), Clarksburg (20871), Gaithersburg (20878), Germantown (20876), Bethesda (20816), Chevy Chase (20815), and more.

Baltimore County: Arbutus (21227), Catonsville (21228, 21250), Cockeysville (21030, 21031, 21065), Dundalk (21222), Edgemere (21219), Essex (21221), Garrison (21055), Lansdowne (21227), Lochearn (21207), Lutherville (21093), Middle River (21220), Milford Mill (21244), Overlea (21236), Owings Mills (21117), Parkville (21234), Park Heights (21215), Pikesville (21208), Randallstown (21133), Reisterstown (21136), Rosedale (21237), Timonium (21093), Towson (21204), White Marsh (21162), Woodlawn (21207), and more.

Carroll County: Eldersburg (21784), Finksburg (21048), Hampstead (21074), Manchester (21102), Marriottsville (21104), Taneytown (21787), Union Bridge (21791), Westminster (21157, 21158), Mount Airy (21771), New Windsor (21776), Sykesville (21784), Woodbine (21797), Taneytown (21787), and more.

We also serve the rest of Maryland and the United States.