Life Insurance in Pennsylvania & Maryland
Create a lifeline that will last a lifetime
We know you can't put a dollar amount on your family, but you can make sure their future is protected. As an independent agency in Lebanon, PA, we don't work for one insurance company — we work for you. We compare policies from top-rated carriers to find coverage that fits your life. Our first priority is helping you take care of the people who matter most: we take the time to learn your personal situation, your goals, and your comfort with risk, so the coverage you choose actually fits. It's Focusing on You, and everyone counting on you.
Coverage That Protects Your Family’s Future
Insurance lingo can be confusing. We break it down into common sense so you can make an informed decision for your loved ones:
- Term Life Insurance: Provides coverage for a specific period (10, 20, or 30 years) — a straightforward way to cover a mortgage or a child's college years.
- Whole Life Insurance: Permanent coverage that lasts your entire life and builds cash value over time.
- Universal Life Insurance: A flexible permanent policy that lets you adjust your premiums and death benefit as your life changes.
- Final Expense Insurance: Smaller policies designed specifically to cover funeral costs and medical bills so your family isn't burdened.
Not every family needs every type of policy — that's what a real conversation is for.
Frequently Asked Questions
How much life insurance do I need?
While a common rule of thumb is 10–15 times your annual income, your real number should cover your specific mortgage balance, outstanding debts, and future education costs for your children. At Kelly Glass Insurance, we help families calculate a precise amount that keeps their lifestyle protected.
What is the difference between Term and Whole Life insurance?
Term life insurance provides coverage for a set period — like 10, 20, or 30 years — making it a common choice for mortgage protection. Whole life insurance is permanent, lasts your entire life, and builds a "cash value" component you can borrow against or use as a financial asset.
Can I get life insurance if I have a pre-existing medical condition?
Yes. Because Kelly Glass Insurance is an independent agency, we shop through multiple carriers. Many of our partners specialize in "rated" policies or "guaranteed issue" life insurance for individuals with health concerns, so you can still put a safety net in place for your family.
Is life insurance through my employer enough?
Often, no. Employer-provided life insurance (group life) is typically limited to 1x or 2x your salary, which rarely covers a full mortgage or long-term needs — and these policies usually end if you leave your job. A private policy through Kelly Glass Insurance keeps your coverage in place regardless of your employment status.
Serving Our Neighbors Since 2010
We aren't just a voice on the phone; we're your neighbors on East Cumberland Street in Lebanon, PA.
- "Focusing on You" Reviews: You're a person, not a policy number. As your family grows or your financial picture changes, we sit down with you to review your coverage and make sure it still fits.
- Claims Advocacy: If the unexpected happens, we've got your back. Access our 24/7 Carriers Directory. For additional claims process questions, call us at (717) 272-2242 to talk to an associate.
- Local Knowledge, Regional Reach: Based in Lebanon and serving all of Pennsylvania and Maryland, we know the carriers who genuinely specialize in life insurance — not just the ones with the biggest ad budget.
Ready to Get the Right Coverage?
Tell us about your family and we'll do the shopping for you — comparing top carriers across Pennsylvania and Maryland to find the right life insurance policy to protect them.
- Speak with an associate by calling (717) 272-2242.
- Text message us at (717) 455-3242.
- Get a free insurance review and quote by completing the information request.