Dedicated to Protecting Our Clients' Insurance Needs

Dedicated to Protecting Our Clients' Insurance NeedsDedicated to Protecting Our Clients' Insurance Needs

Get peace of mind!


Our Philosophy and Products


Good question.  There are a lot of insurance agents out there and it may seem that any agent or broker is as good as another.  But we are decidedly different.  We are here to offer great products and outstanding service, granting you peace of mind.  Our site may be wordy but we believe in providing as much information as possible so that you have a full understanding of any product purchased.

Everyone has different insurance needs. Please do not hesitate to call us with your questions no matter whether you are already a valued client, a potential client or if you simply need expert advise.  There will never be a charge for our assistance or for a friendly no-obligation chat.  Find out how we can help protect you, your family and hard-earned assets.

Protecting Futures

We have years of insurance experience helping clients prepare for the unknown. Ask us about:

    *Auto                 *Life

    *Home               *Annuities

    *Renters            *Classic Auto

    *Fire                   *Pet Insurance

    *Flood                *Critical Illness

    *Disability          *Long Term Care

    *Business          *and More

We can access many different insurance products so you can get the right one for you.

Assessing Need

Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble. Call us today, and we'll analyze your insurance needs and get you covered on an individual basis quickly at the right price.


Appointment or E-Policy

We offer in home services (where available) that can be completed by appointment.  However, many policies can easily be completed by phone and email including taking the application and issuing the policy. 

Our Team



Our team is comprised of Insurance Professional who specialize in specific areas  to best work with your needs.  We continually educate ourselves to be at the forefront of the Insurance Industry.  We bring over 100 years of combined insurance experience to give you the best service possible with no high pressure sales tactics.  Your protection is our priority.


Whole Life

Universal Life

Whole Life

Whole Life insurance is a policy with guaranteed cash value and guaranteed death benefit. The premium remains the same throughout the policy and premium payments can be made for a limited period of time or your entire life.

Term Life

Universal Life

Whole Life

Term Life as it says is insurance purchased for a specific term period. These periods can be from 1 to 30 years. Term insurance gives you a higher insurance amount at a lower cost. At the end of the term however, many can be renewed or converted without evidence of insurability to another life product based on your current age.

Universal Life

Universal Life

Universal Life

Universal Life policies are flexible premium paying policies. A person can vary the amount paid monthly (although not recommended). The policy gains cash value, however, it is interest sensitive and monies can be used to pay premiums as rates change and cost of insurance increases.

Final Expense

Guaranteed Issue / Non-Medical

Universal Life

Final Expense policies are designed usually for ages 40 and above. These policies provide simplified underwriting. these are many times purchased to supplement current insurance and usually have a limit of up to $25,000 in coverage.

Guaranteed Issue / Non-Medical

Guaranteed Issue / Non-Medical

Guaranteed Issue / Non-Medical

Guaranteed Issue insurance is as it says. There are no medical questions and coverage is guaranteed. However, most guaranteed issue policies have a waiting period before the full death benefit takes effect. Available mostly to persons age 40 and above. However, we do offer a Guaranteed Issue product starting at age 3.

Single Premium

Guaranteed Issue / Non-Medical

Guaranteed Issue / Non-Medical

A single premium policy is an option that allows a person to invest a lump sum  that pays the policy in full, thus eliminating the need for any additional premium payments.  Many times this is done to pass money to beneficiaries on a tax free basis. Many times this policy is used in estate planning. 

Fixed Annuity

Variable Annuity

Indexed Annuity

Have you been looking for a way to invest your money with relatively low risk, but with a higher return than the interest rates of CDs offered by banks and credit unions.

Look no further than fixed annuities. For decades, fixed annuities have provided a secure form of savings for millions of conservative investors on a tax-deferred basis. They are by far the simplest type of annuity contract and offer all of the benefits provided by any type of annuity except for the opportunity for market participation.

In a fixed annuity, you have the option to make either a lump sum contribution or a series of contributions to the contract, which in turn will pay a guaranteed rate of interest for a set period of time. These instruments resemble CDs in many respects: Both the principal and interest are guaranteed, and you’ll face a penalty for early withdrawal. As with all types of annuity contracts, there is a 10% early withdrawal penalty from the IRS for any distribution you take before you’re 59 1/2 years old.

Indexed Annuity

Variable Annuity

Indexed Annuity

An indexed annuity is a type of annuity contract that pays an interest rate based on the performance of a specified market index, such as the S&P 500. It differs from fixed annuities which pay a fixed rate of interest, and variable annuities, which base their interest rate on a portfolio of securities chosen by the annuity owner. Indexed annuities are sometimes referred to as equity-indexed or fixed-indexed annuities.

The rate on an indexed annuity is calculated based on the year-over-year gain in the index or its average monthly gain over a 12-month period.

While indexed annuities are linked to the performance of a specific index, the annuitant won't necessarily reap the full benefit of any rise in that index. One reason is that indexed annuities often set limits on the potential gain at a certain percentage, commonly referred to as the "participation rate." The participation rate can be as high as 100%, meaning the account is credited with all of the gain, or it as low as 25%. Most indexed annuities offer a participation rate between 80% and 90%—at least in the early years of the contract.

Variable Annuity

Variable Annuity

Variable Annuity

A variable annuity is a type of annuity contract, the value of which can vary based on the performance of an underlying portfolio of mutual funds. Variable annuities differ from fixed annuities, which provide a specific and guaranteed return.

Your choices are made from a preselected list of funds, called subaccounts, inside the variable annuity, much like you would pick funds in your 401(k). Ranging from aggressive to conservative, the subaccount choices may include blue-chip stock funds, international stock funds, small-cap stock funds, various types of bond funds, precious metals, balanced funds, and money markets. Most variable annuities also have model portfolios from which you can choose.  One of the touted benefits of a variable annuity is that, since you can pick your own investments, you could potentially achieve higher long-term returns than with a fixed annuity—benefiting from rises in the stock market. Of course, this feature can backfire: Your investments can also suffer from stock market declines. 


Critical Illness

Critical Illness

Critical Illness


Critical illness insurance, also known as critical care insurance, is a type of insurance policy that compensates policyholders with a lump sum payment after getting diagnosed with a specific illness that is listed on their insurance policy. 

According to the American Critical Illness Association, the most basic critical illness coverages are cancer, heart attack, and stroke. This list can be expanded to include many more critical illnesses, like a heart transplant, coronary bypass surgery, angioplasty, kidney (renal) failure, and other organ transplants.

According to the American Cancer Association, 1 in 3 people run the risk of developing cancer. The American Heart Association reports that over 320,000 out-of-hospital cardiac arrests occur annually in the United States.

Unlike standard health insurance, which pays the costs of medical procedures to the doctors or hospital, critical illness insurance will pay cash directly to you. You can use the money from critical illness to pay for anything you want.


Critical Illness

Critical Illness


Why Disability Insurance Benefits are So Important. Disability insurance benefits are available for people who have a disability that prevents them from working. Both salaried and hourly employees can get disability insurance. It is also available for people who are self-employed.

Disability insurance replaces a portion of employee income when they can’t work because of an illness or disability. For the most part, disability insurance will not replace all of someone’s income. Instead, disability insurance provides wage replacement benefits that cover, on average, up to 60% of employee earnings.

There are two main types of disability insurance — short-term and long-term coverage. Both replace a portion of your monthly base salary up to a cap, such as $10,000, during disability. Some long-term policies pay for additional services, such as training to return to the workforce.

Consider buying a policy if you don’t have any or enough disability coverage at work or are self-employed. Employer-sponsored disability insurance usually pays only a portion of your base salary, up to a cap. It’s a good idea to supplement that coverage if your salary far exceeds the cap or you depend on bonuses or commissions.

Long Term Care

Critical Illness

Long Term Care


Unlike traditional health insurance,  long-term care insurance policy is designed to offer financial support to pay for long-term care services. It is designed to cover long-term services and supports, including personal and Custodial care (also called personal care) Non-skilled service or care,such as helpwith bathing,dressing,eating, getting in and out of bed or chair, movingaround, and using the bathroom.  in a variety of settings such as your home, a community organization, or other facility.

Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living..  You can select a range of care options that allow you to get the services you need, where you need them.

Did you know that Medicare typically doesn't cover nursing home stays or in-home health services? And did you know that nursing home stays can cost more than $100,000 per year in many parts of the U.S.? If you end up needing long-term care services, costs like these can drain your retirement savings quickly.

Long-term care, or LTC, insurance can help protect against these expenses if you or your spouse can no longer perform daily living activities such as bathing, dressing, and eating on your own. 

Property and liability insurance

Homeowners Insurance

Homeowners Insurance

Homeowners Insurance


Home insurance, also commonly called homeowner's insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. 

Additionally, homeowner's insurance provides financial protection against disasters. A standard home insurance policy insures the home itself along with the things kept inside. 

Landlord Insurance

Homeowners Insurance

Homeowners Insurance


Landlord insurance is a policy for someone who rents out a home they own. This type of insurance typically includes two different types of coverage: property and liability protection. Both coverages are intended to help protect you, the landlord, from financial losses. The property protection in a landlord insurance policy typically helps cover physical property related to the home you're renting out. This may include the dwelling itself and equipment you keep on site to help maintain it. 

Your personal belongings are not covered under the landlords policy and the landlord may require you to have a Renters Policy. 

Renters Insurance

Homeowners Insurance

Condominium Insurance


 Renters insurance is exactly what it sounds like: It’s insurance for you and your stuff when you’re renting a property. When you own a home, you have homeowners insurance and your house, the structure, the property, and all of your contents are covered. But when you rent, you need to purchase additional insurance...

What It May Cover

The cost to repair or replace your belongings, such as clothing, furniture and electronics, up to the limits in your policy

Repairs if you accidentally damage someone else’s property or a guest’s medical bills if you’re found responsible for their injuries

Additional costs you incur, like hotel bills, if the residence you rent is damaged and left uninhabitable

Condominium Insurance

Condominium Insurance

Condominium Insurance


Condominium insurance is a type of homeowner's insurance that financially protects a policyholder's condominium from various perils, such as fire, weather damage, vandalism, smoke, and explosions. Moreover, it only protects the individual unit, not common areas, such as hallways, staircases, and elevators.

Condominium insurance offers your personal property some protection, but it often does not cover water, vermin, or earthquake damage. In addition, the condo association's master policy plays a major role in determining the minimal amount of coverage a condo owner may want to purchase. Some master policies only cover common areas and the exterior building, while others may include items besides personal property in individual units. The appropriate amount of coverage also depends on the level of risk in the area (e.g., an arid area is not likely to need flood coverage, for instance), the worth of the policyholder's personal property, and other related factors.

Umbrella Insurance

Condominium Insurance

Umbrella Insurance


Umbrella insurance is extra insurance that provides protection beyond existing limits and coverages of other policies. Umbrella insurance can provide coverage for injuries, property damage, certain lawsuits, and personal liability situations. In other words, umbrella insurance can provide additional insurance for things like injuries, property damage, certain lawsuits, and personal liability situations. Umbrella insurance helps protect your assets and your future in two ways:

  1. Umbrella insurance may provide coverage when your homeowners, auto, and boat insurance policies limits are exhausted.
  2. Umbrella insurance provides coverage for claims that may be excluded by other liability policies including claims like false arrest, libel, slander, and liability coverage on rental units you own.

Mobile Home

Condominium Insurance

Umbrella Insurance


Mobile home insurance covers risks associated with owning a mobile home. It is very similar to standard homeowners' insurance policy. 

Mobile home insurance can provide coverage for damage to the actual structure of a mobile home, the personal effects within it, and the personal liabilities of its owner. 

Vehicle Insurance


Classic Car

Classic Car


Auto insurance premiums depend on age, gender, years of driving experience, accident and moving violation history, and other factors. Most states mandate that all vehicle owners purchase a minimum amount of auto insurance, but many people purchase additional insurance to protect themselves further.

Personal auto insurance only covers personal driving. It will not provide coverage if you use your car for commercial purposes—such as making deliveries. Neither will it provide coverage if you use your car to work for ride-sharing services such as Uber or Lyft. Some auto insurers now offer supplemental insurance products (at additional cost) that extend coverage for vehicle owners that provide ride-sharing services. 

Classic Car

Classic Car

Classic Car


We understand your classic car is a prized possession that will be driven sparingly and with great caution, so we adjust premiums accordingly—up to 36% lower on average than daily driver insurance.* Daily driver insurance policies may rate your classic as if it’s a regular use vehicle—you will be charged as if you are driving the vehicle daily. 

You tell us the value of your classic and we’ll affirm that it’s a fair, accurate number. Then, we guarantee that value will be paid to you in the event of a covered total loss. Period.  Regular car insurance carriers offer “actual cash value” or “stated value” coverage, which may depreciate your vehicle in the event of a claim, resulting in a smaller payout than you anticipate. 


Classic Car

Off Road ATV


Motorcycle insurance provides financial protection in the event of a motorcycle accident, loss, theft or damage. Motorcycle insurance includes liability coverage in case you are responsible for another person’s injuries or property damage. 

These policies provide coverage for motorcycles, choppers, fast street bikes or “crotch rockets,” mopeds, and even Segways.

By working with us an independent agent, you can customize a policy to protect against the threats you are most concerned about, such as theft, property damage, vandalism or weather damage. You can even insure yourself against the bike breaking down and ruining your vacation.

Off Road ATV

Scooters / Golf Carts

Off Road ATV


ATV insurance is similar to other types of vehicle insurance: having minimum coverage allows you to take your ATV for a spin, but expanding your coverage to include different types of risk is really where you start saving money and preparing for the unpredictable.  What can happen out on the trail or in the backwoods? Almost every driver of an off-road vehicle has experienced a mishap or injury at one time or another. ATV liability insurance is designed to help you pay for the expenses associated with an accident, whether people, property, or both are involved.  By working with us an independent agent, you can customize a policy to protect against the threats you are most concerned about,

Scooters / Golf Carts

Scooters / Golf Carts

Scooters / Golf Carts


Scooter insurance may include liability, collision, comprehensive coverage, depending on the policy you select. Coverage requirements vary by state. But having a reliable scooter insurance policy is recommended for your protection in the event of unexpected damages.

Golf carts aren't just used to get from one green to the next anymore. In fact, they're increasingly being used to get around campuses, retirement communities, and serene trails. And with added ways to enjoy your cart, it only makes sense to want added peace of mind. Some states may require you to get liability insurance, but whether you're required to carry it or not, golf cart insurance gives you added financial protection and peace of mind

Watercraft / Boat

Scooters / Golf Carts

Scooters / Golf Carts


Watercraft insurance is an insurance policy that provides coverage for boats and personal watercraft. Watercraft insurance, also known as boat and personal watercraft insurance, often includes towing and wreckage removal, as well as fuel spill indemnification. This type of insurance may be purchased for sailboats, house boats, and pontoon boats, as well as other watercraft up to a certain size and value.

Most states do not legally mandate that watercraft must be insured. To find out, go online to check your state’s watercraft titling and registration requirements. But even if your state doesn’t require insurance, your bank won’t give you a boat loan without it, and most marinas also require you to have watercraft insurance before they’ll rent you a slip or mooring.

Business Insurance

Business Owners Policy (BOP)

Two coverages you need, combined in a single policy. See why businesses trust us to help them with their business insurance needs with coverage for:

  • Bodily injury or property damage
  • Defense costs for covered liability losses
  • Business furniture and equipment.

General Liability Insurance/CGL

CGL can help cover your business while performing normal operations. Coverages include:

  • Physical injury liability
  • Property damage liability
  • Lawsuits costs for covered losses 

Professional Liability Insurance

From Personal Trainers to IT Consultants, you need Professional Liability Insurance (PL), also called Errors & Omissions (E&O) insurance. This coverage protects you for:

  • Mistakes or advice your company makes in business
  • Legal defense costs
  • Services completed

Workers' Compensation

This coverage is mandatory if your business has employees. Workers' comp covers a business' employees if they're injured at work. In general, policies cover: 

  • Lost wages
  • Medical expenses
  • Rehabilitation expenses

Commercial Auto Insurance

If the driver of a vehicle uses it for their job, work or business, you need a commercial policy. You may need commercial coverage if:

  • The vehicle is used to transport goods or people
  • The vehicle is used to perform a service
  • Employees drive the vehicle

Rideshare Insurance And On-Demand Delivery

Take the worry out of who is covering you and when you're covered. A policy that protects you all the time.

  • Covered while working and not
  • Peace-of-mind knowing you're always covered 
  • Same great policy and claims service 

Contractor Insurance

Contractors face unique and often dangerous risks everyday on the job. Whether you’re an electrical, excavation or plumbing and HVAC contractor, you know that in a split second accidents can happen.

Because every business is different, commercial insurance solutions for contractors can range from a standard policy to a more thorough mix of coverages. The type of contracting business you own – such as masonry, landscaping or new construction– as well as its size and location will affect the types of insurance you may need.

We understand the risks contractors face every day and have developed commercial insurance solutions to help meet your varied needs.

Who needs contractors insurance?

To protect yourself and your business from work-related accidents, it is recommended the following contractors carry contractors insurance:

  • Electricians
  • Plumbers
  • HVAC contractors
  • Carpenters
  • Construction workers
  • Painters
  • Landscapers


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AJES Insurance /Associated Insurance Services, LLC

Ocean City and Hampstead Maryland

(855) 931-LIFE (5433) (844) 306-AUTO (2886)