Life Insurance
That Helps You Plan Ahead
Smart, Personalized Coverage From Your Local Experts in Germantown, MD
What Your Life Insurance Policy Should Cover
Life insurance is about more than a payout—it’s about peace of mind. We help you choose the right policy to meet your financial goals, family needs, and long-term plans.
Term Life Insurance
Provides affordable coverage for a specific time period—ideal for income replacement or mortgage protection.
Whole Life Insurance
Permanent coverage that builds cash value over time and can be used for future financial needs.
Universal Life Insurance
Flexible permanent coverage with investment and savings components you can adjust over time.
Dependent & Spousal Coverage
Additional policies to protect your partner or children as part of your overall plan.
Coverage Add‑Ons That Matter
These optional riders can enhance your protection and tailor it to your family’s evolving needs.
Accelerated Death Benefit
Allows early access to part of your policy if you’re diagnosed with a terminal illness.
Waiver of Premium
Covers your premiums if you become disabled and can’t work.
Child Term Rider
Adds life insurance protection for children under your policy.
Life Insurance FAQs
How much life insurance do I need?
It depends on your income, debts, dependents, and financial goals. We’ll walk through a simple needs analysis with you.
What’s the difference between term and whole life?
Term is temporary and affordable. Whole life is permanent and includes a savings component. Each has its place—we’ll help you decide.
Can I convert my term policy later?
Many term policies include a conversion option. We’ll help you understand the timeline and how it works.
Do I need life insurance if I’m young and healthy?
Yes. Younger applicants often qualify for lower rates, and starting early builds long-term value.
Can I get life insurance if I have health conditions?
Often, yes. We work with multiple carriers to help find coverage even if you have a medical history.
Let’s Get You on the Road
Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.