๐บ๐ธ Independent Broker ยท 20+ A-Rated Carriers ยท All 50 States
Life Insurance & Annuities in Linthicum, MD
We compare 20+ A-rated carriers across every type of life insurance and annuity โ term, whole, universal, final expense, mortgage protection, and annuities โ to find the right fit for your family and your budget. No exams for many applicants. Approval often in 24โ48 hours.
โ Free quote ยท No obligation
โ Compare 20+ carriers
โ 877-459-0222
Protect Your Family
Life Insurance Products
Every type of life insurance โ explained in plain English, with a direct link to get a personalized quote.
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Term Life Insurance
Maximum coverage at minimum cost
Term life is the most affordable type of life insurance. You choose a term length (10, 15, 20, 25, or 30 years) and a death benefit. Premiums are fixed for the entire term.
๐งฎ Get My Term Life Quote โ
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Whole Life Insurance
Lifetime coverage with guaranteed cash value
Whole life is permanent insurance that covers you for your entire life. Premiums are fixed and never increase. Cash value grows tax-deferred at a guaranteed rate.
๐ฆ Get My Whole Life Quote โ
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Universal Life Insurance
Flexible premiums with cash value growth
Universal life offers permanent coverage with flexible premiums. You can adjust payments and death benefit as your needs change. Indexed options offer a 0% floor.
๐ผ Get My Universal Life Quote โ
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Final Expense Insurance
Small policy to cover funeral and burial costs
Final expense insurance (burial insurance) is a small whole life policy designed to cover funeral, burial, and end-of-life costs. No medical exam. Guaranteed issue available.
๐๏ธ Get My Final Expense Quote โ
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Mortgage Protection
Pay off the mortgage if you die
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General Life Insurance Quote
Not sure which type? Start here.
Not sure which type of life insurance fits your situation? Use our general quote tool and we’ll help you compare all options side by side โ term, whole, universal, final expense, and mortgage protection.
๐งฎ Get My Free Quote โ
Secure Your Retirement
Annuity Products
Guaranteed lifetime income and tax-deferred growth. Compare fixed, indexed, and immediate annuities from top-rated carriers.
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Fixed Annuities & MYGAs
Guaranteed rate, principal protection
Fixed annuities (including Multi-Year Guaranteed Annuities) offer a guaranteed interest rate for a set period. Principal is protected from market losses. Ideal for conservative savers who want predictable growth.
๐ Get My Fixed Annuity Quote โ
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Fixed Indexed Annuities (FIAs)
Market-linked growth with 0% floor
FIAs offer principal protection with market-linked growth tied to an index like the S&P 500. You earn 0% in down years โ never losing money. Many include lifetime income riders.
๐ Get My FIA Quote โ
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Income Annuities (SPIAs)
Turn savings into guaranteed monthly income
Single-premium immediate annuities convert a lump sum into guaranteed monthly income starting within 30 days. The simplest way to create a paycheck you can’t outlive.
๐ต Get My Income Annuity Quote โ
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Annuities with LTC Riders
Retirement income + long-term care protection
Annuities with LTC riders combine guaranteed income with 2โ3x leverage for long-term care. If you need care, the benefit pool multiplies. If not, you keep the income.
๐ก๏ธ Get My LTC Annuity Quote โ
Protect Your Retirement
Long-Term Care Products
70% of people over 65 will need long-term care. Medicare pays for 100 days โ then stops. These products protect everything you’ve saved.
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Traditional LTC Insurance
Standalone LTC coverage
Traditional LTC insurance is the most comprehensive form of coverage. Pays for nursing home, assisted living, and in-home care. Premiums can increase over time.
๐ฅ Get My LTC Quote โ
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Hybrid Life & LTC Policies
LTC + death benefit if unused
Hybrid policies combine life insurance with LTC benefits. If you need care, the death benefit accelerates. If not, your beneficiaries receive a tax-free death benefit. Premiums are guaranteed.
๐ Get My Hybrid LTC Quote โ
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Asset-Based LTC Protection
Lump sum LTC with guaranteed payout
Asset-based LTC products use a lump sum premium to create a leveraged LTC benefit. A $100,000 deposit can generate $300,000+ in care benefits. There’s always a payout โ LTC, death benefit, or refund.
๐ฐ Get My Asset-Based LTC Quote โ
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Partnership LTC Program
Dollar-for-dollar Medicaid asset protection
Maryland’s Partnership Program provides dollar-for-dollar asset protection from Medicaid spend-down. For every dollar your policy pays, a dollar of assets is protected from Medicaid and estate recovery.
๐ค Get My Partnership LTC Quote โ
Your Independent Advisor
Meet Dan Walsh โ Your Life Insurance Specialist
Licensed Since 1997 ยท Independent Agent ยท NPN 3028543 ยท Serving Linthicum Families for Over 25 Years
Dan Walsh
Independent Agent ยท NPN 3028543
๐ UMD Smith School
๐จโ๐งโ๐งโ๐ฆ Dad of 4
๐ Serving Linthicum & Nationwide
I’ve been helping Linthicum families find the right life insurance and annuities since 1997. Over the past three decades, I’ve seen thousands of families protect their loved ones with term, whole, universal, final expense, mortgage protection, and annuities.
I’m not a call center. I answer my own phone because I believe you deserve straight answers โ not scripts. My approach is simple: listen first, then recommend. I work for you โ not an insurance company โ and I have access to 20+ A-rated carriers to make sure you get the right fit.
If you’re in Linthicum or anywhere in Anne Arundel County County, I’d be honored to help you find the right coverage for your family.
Not Sure Which Product Is Right?
Let’s Figure It Out Together.
One free conversation. We’ll look at your age, health, budget, and goals โ and show you honestly which type of life insurance or annuity makes the most sense for your situation. No pressure. No obligation. Just answers.
โ Independent Broker
โ 20+ A-Rated Carriers
โ All Products Compared
โ $0 to Work with Us
LTC ME ยท Brookeville, MD 20833 ยท 877-459-0222 ยท info@ltcme.com ยท Licensed insurance producer in MD, VA, DC, and all 50 states. Independent insurance brokerage โ not captive to any single carrier. Premium ranges shown are approximate 2025 illustrative estimates for informational purposes only and do not constitute a binding quote or offer of insurance. Actual premiums depend on age, sex, health classification, tobacco use, coverage amount, carrier, and state. All products subject to underwriting approval. Legal ยท Privacy
