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Annuity Carriers We serve independent agents nationwide with dependable service and a complete line of core, voluntary and individual products. We offer annuity products from the carriers, please contact us for product information and contracting.

Here at The Jordan Insurance Group, we specialize in Life Insurance in Columbia, Maryland. We work with companies to provide a cost effective programs specially designed for you and or your business. Your trusted life insurance agency in Columbia, Maryland. Although a simple concept, a life insurance policy can be a complex financial statement. Reviewing your investment portfolio regularly is highly recommended. A life insurance policy needs to be monitored regularly to be certain that it remains appropriate for your goals to perform according to your expectations. Changes in the life insurance industry lead to new, more efficient policies that were developed in response to a more competitive environment brought on by mergers and demutualization. In addition, interest rate and market volatility can significantly affect the underlying cash value in a permanent life insurance policy. Our services address the full spectrum of life insurance benefits we have to offer. We offer: Term Life Insurance - Life insurance that pays a benefit amount in the event of your death during a specified term. Whole Life Insurance - life insurance that pays a benefit amount upon the death of the insured and also accumulates a cash value. Universal Life Insurance - is a type of permanent life insurance, primarily in the USA. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. Annual Renewable Term Life Insurance - Is a form of term life insurance, it offers a guarantee that in the future you will be insurable for a set period of years, even though premiums are paid every year on the basis of a one-year contract. As such, the premiums will rise over time as the insured person ages. Level Term Life Insurance - is one of the most common types of life insurance available. The amount of coverage provided with this policy does not change over time. This means that it will not increase in line with inflation, or any other measure. And more! Contact us at The Jordan Insurance Group for more information on Life Insurance in Columbia Maryland!

...andard Commercial, Life, Health, Variable Life/Annuities, and Benefits leads. We do not bu...

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What is an Impaired Risk? When you paint it with a broad brush it is all about any life insurance applicant that doesn’t necessarily meet all of the criteria for preferred plus rates, which is the best rate class available. Even more specifically The Stamm Agency defines impaired risk as any health risk that ends up with a less than satisfactory approval or a decline from a cookie cutter type agency. Impaired Risk Life Insurance underwriting is about weighing the risks, which boils down to mortality risk. At The Stamm Agency we take it into our hands and take the time to study other companies. Understanding the philosophy of clinical underwriting is what you will find at the heart of good underwriting decisions when it comes to Impaired Risk. What is clinical underwriting? Clinical underwriting is the ability to sit down, look at an applicant and study their track record. For example: Let's look at a patient with type 1 diabeties. Have they been compliant with their treatment? Have they been able to take control of their diabeties and avoid the collateral health issues that come along with their illness? To put it simply, we look at the patient as an individual, not as a group. At The Stamm Agency we don't just have underwriters flipping through an underwriting guide on Impaired Risk Life Insurance. That takes all the guesswork and fairness out of the process. Our underwriters don't simply turn to type 1 diabetes in a handbook and see that the company stance is to decline them. If your client has a health condition and takes great care of themselves most companies will toss them into the same bucket as everyone else with the same condition. This does nothing to help an individual that is doing everything they can in taking care of themselves. If you are looking to help a client that you know would be a good candidate for Impaired Risk Life Insurance and want them to be treated as an individual give The Stamm Agency a try. Our underwriters will listen and fight for you. Thank you.

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