Insurance Question? CALL US NOW! (410) 544-6104

Arnold Insurance

Arnold InsuranceWhole life insurance policies build up cash value slowly at first but then pick up the pace after several years, when your earnings start to grow faster than your "mortality" cost (the cost of insuring you). If you would like whole life insurance explained in more detail, your life insurance agent should be able to show you a few types of policy illustrations.

Arnold insurance could be an attractive option for any of these reasons:

  • Others are relying on you for long-term financial support.
  • You're worried about outliving a term life policy and being unable to buy further insurance due to age or deteriorating health.
  • You want to build up cash value in addition to protecting your beneficiaries.
  • You want to create an estate for your beneficiaries after your death.
  • Your beneficiaries need the benefit to pay estate taxes on other assets.

"Whole life insurance is suited for anybody who loves somebody," says Scott Berlin, senior vice president in charge of the Individual Life Department at New York Life Insurance Co. "Whole life does two things for you: protects your family and allows you to save for the future."

Berlin says whole life's advantages are that you don't have to worry about outliving your policy (as is possible with term life) and there is the "forced savings" component of the cash value account, which grows tax-deferred. Once your cash value is built up, you can access it for anything - retirement, your child's college tuition or the vacation you've always wanted. Whole life policies are also eligible to earn dividends (depending on the company and not guaranteed) which can be used in a variety of ways, such as providing paid-up additional life insurance, which increases both the life insurance benefit and policy cash value.


If you need insurance in Arnold, MD, then call us at (410) 544-6104.

Contact Moscker Insurance

Please fill out this form and one of our experienced independent insurance agents will contact you as quickly as possible.

We will not transfer any of your personal data to any 3rd party without specific written consent.

Fill out my online form.

Home | About Us | Services | Commercial Insurance | Personal Insurance
Contact Your Carrier | Directions | Links


Trade Contractors | Crane Rental Accounts | Fuel Oil Dealer Insurance | Real Estate Appraisers Errors & Omissions
Recycling Industry Insurance | School Bus Contractors | Social Services Agencies
Water, Well, and Geothermal Insurance | Youth Sports Insurance


Severna Park, MD | Annapolis, MD | Parole, MD | Arnold, MD | Crownsville, MD | Crofton, MD | Brooklyn Park, MD | Cape St. Claire, MD | Deale, MD | Ferndale, MD | Fort Meade. MD | Glen Burnie, MD | Green Haven, MD | Hanover, MD | Herald Harbor, MD | Hillsmere Shores, MD | Jessup, MD | Lake Shore, MD | Linthicum, MD | Londontowne, MD | Maryland City, MD | Mayo, MD | Odenton, MD | Pasadena, MD | Pumphrey, MD | Riva, MD | Riviera Beach, MD | Selby-on-the-Bay, MD | Severn, MD | Shady Side,MD | South Gate, MD

Insurance Companies We Represent:

Peninsula Insurance Company   Harleysville Insurance   PMA Companies Insurance   AIC Insurance

State Auto Insurance Companies   Liberty Mutual Insurance   Penn National Insurance

Berkley Aspire Insurance   Accident Fund Insurance Company   Safeco Insurance

;Travelers Insurance   Harford Mutual Insurance Company   Donegal Insurance Group

Progressive Insurance   Hanover Insurance Group   Personal Umbrella

Selective Insurance   Chesapeake Employers Insurance   Brethren Mutual Insurance Company

Allied Insurance   The Hartford Insurance   Builders Mutual Insurance Company   Berkly Mid Atlantic Insurance Group

Mutual Benefit Group   Employers Insurance

Mobile-friendly website by Creative Consulting