Knippenberg Insurance Inc

608 N Mechanic St
Cumberland, MD 21502

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Life Insurance FAQs

Life insurance is one of the most important types of insurance you can purchase to benefit your family. At Knippenberg Insurance Inc. in Cumberland, MD, we provide personalized service for our customers and we can design an insurance plan that is right for them. We have access to many insurance carriers and it allows us to offer you more choices. 

Life Insurance FAQs

Is there a limit to how much life insurance I can have?

No, your finances are your only limit to how much life insurance you can have. You may get life insurance as part of a benefits package and you should have some of your own as well. You can also purchase it from different companies and have both whole life and term life insurance. 

Can my life insurance be canceled?

Yes, like any kind of insurance, your life insurance can be canceled if you don’t pay your premium. Most policies have a grace period, so if you are having financial difficulties, call your insurance company. If it’s discovered that you lied on your application for life insurance, your policy may be canceled as well. 

Can I choose anyone I want as a beneficiary?

Yes, the choice of beneficiary is strictly up to you. However, keep in mind that a minor will not be able to collect the benefit until they are of legal age in the state where they live. 

Can I borrow from my life insurance policy?

If you have a whole life policy and it has cash value accumulated, you can borrow against it. Term life insurance doesn’t accumulate cash value. 

Contact Us Today

Knippenberg Insurance Inc. in Cumberland, MD is here for you from the moment you purchase your policy through any claims you have. Give us a call or send us an email to discuss your life insurance needs. 

Partner Carriers


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