Knippenberg Insurance Inc

608 N Mechanic St
Cumberland, MD 21502

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Who needs life insurance in Maryland?

People that are all over the Cumberland, MD area should spend time assessing their insurance needs. A form of coverage that many people in this area would benefit from getting is life insurance. This form of coverage will provide financial protection to someone’s dependents. There are a variety of situations in which having this coverage is a good idea. 

Those that Want to Provide Financial Protection

When someone needs to have a life insurance plan, they want to provide financial protection to those they care about. With a proper life insurance plan, you will create a policy that offers the amount of financial protection that your dependents need. This will allow you to cover any future costs, including the costs of housing, higher education, or any other costs that you see to be fit. 

Those that Are Looking for Investment Alternative

You may also want to get a life insurance plan if you are looking for an alternative investment. A whole life insurance plan can provide you with life insurance protection and be used to invest in the future. With each payment you make, some money you spend will build up in an account that grows with interest. Eventually, you can take money out or borrow against it, which boosts future liquidity. 

As you are shopping for life insurance in the Cumberland, MD area, you should call Knippenberg Insurance Inc. Many important factors needed to be considered when shopping for insurance. Knippenberg Insurance Inc. can make the process easier for you. The team here can help you assess your needs and options and give you the support you need to build an insurance plan accordingly. 

How much life insurance is enough

Life insurance is something most people don’t spend a lot of time thinking about. It is more of a necessary evil. It is not discussed around the dinner table, and no one takes a college class to learn how much life insurance is enough. Since an insurance agent’s job is to sell life insurance, you may have doubts about the advice you will get. Having an insurance agent who knows you and who you trust is the only way to feel comfortable with this critical decision. Knippenberg Insurance Inc. in Cumberland, MD is just such an agency. 

When you are considering how much life insurance is enough, there are some questions that you need to ask yourself. 

  • How old am I? 
  • Who counts on me for their support? 
  • How much do I owe? 
  • How many years of support do I need to supply? 
  • Have I put aside money for my final expenses? 

Your age is not the primary determining factor when choosing life insurance, but insurance is at its most affordable when you are young and healthy. It will never be a better time to take a good look at your insurance needs than now. If you are young and single, you may not have anyone dependent on you, or you may want to help provide for aging parents.  

If you are married and have a family, you have lots of people who depend on you and your income to maintain their current lifestyle. If your children are young, this can be for many years. You may also want to provide for a college education for your children. Experts recommend that you have between seven and ten years of your income in life insurance. 

How much life insurance is enough is not one size fits all. You have to weight need against affordability. At Knippenberg Insurance Inc. in Cumberland, MD, we would be happy to sit down with you and set up a financial plan that includes life insurance. Give our office a call to set up an appointment to discuss your life insurance needs. 

Partner Carriers


  • Allstate
  • Amwins
  • Chesapeake
  • Foremost
  • Guard
  • Hagerty
  • K&K
  • Liberty Mutual
  • MetLife
  • National General
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Tapco
  • The Hartford
  • Travelers
  • Zurich