731 East Cumberland Street, Lebanon, PA 17042

717-272-2242
Client Center

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 ensure 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 rates from top-rated carriers to find a policy that fits your life and your budget. Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Request a Life Insurance Quote

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). It is the most affordable way to cover a mortgage or 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 allows you to adjust your premiums and death benefits as your life changes.
  • Final Expense Insurance: Smaller policies designed specifically to cover funeral costs and medical bills so your family isn't burdened.

How much life insurance do I need?

While a common rule of thumb is 10–15 times your annual income, your "Peace of Mind" 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 limit that ensures their lifestyle remains unchanged.

What is the difference between Term and Whole Life insurance?

Term Life insurance provides affordable coverage for a set period (like 10, 20, or 30 years), making it ideal for mortgage protection. Whole Life insurance is permanent, lasts your entire life, and builds a "cash value" component that 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, ensuring you can still provide a safety net 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. Additionally, these policies usually end if you leave your job. Having a private policy with Kelly Glass Insurance ensures you stay protected regardless of your employment status.

Serving Our Neighbors Since 2010

Choosing Kelly Glass Insurance means getting the power of a major carrier with the heart of a local neighbor. As independent agents, we do the heavy lifting for you—shopping top-rated companies to find the best rates while providing the unbiased, expert advice you deserve. We don't just sell policies; we simplify your protection and advocate for your best interests every step of the way.

How to Get Started