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Independent
We work for you, not any carrier. We shop 20+ companies to find the best product for your specific situation.
Fiduciary-Minded
Your best interest drives every recommendation. We explain every option plainly and never push a product that doesn’t fit.
A-Rated Carriers Only
We will not place business with a financially weak carrier. Every product we recommend is backed by an insurer rated A or better by AM Best.
Nationwide Service
Available in multiple states. We serve clients by phone, Google Meeting, or in person at our Brookeville, MD office. Wherever you are, we can help.
Holistic Strategy
Life insurance, annuities, LTC, tax strategy, and estate planning — all coordinated as one integrated plan rather than isolated products.
Retirement Has Four Threats That Most
Financial Plans Completely Ignore.
Sequence of Returns Risk
A crash in your first years of retirement can permanently impair your portfolio — even if the 30-year average looks fine. Annuity solution →
Long-Term Care Cost
70% of people over 65 will need care. A nursing home in Maryland costs $114,975/year — and Medicare covers none of it. LTC solution →
The Tax Time Bomb
Traditional IRAs, 401(k)s, and TSPs are 100% taxable at withdrawal. RMDs at 73 can spike your bracket by $30K–$50K overnight. Tax solution →
Survivor Income Gap
When the first spouse dies, income typically drops 30–50% while expenses barely change. Most couples never plan for this. Protection solution →
Our Approach
“We don’t sell products. We build coordinated retirement defense strategies — life insurance, annuities, LTC, and tax planning working as a single integrated system — then find the products that best execute that strategy.”
🧮 Identify My Biggest Gap — Free 2-Minute Quiz →Every Service We Offer — Explained in Plain English
Every product we recommend is part of a larger strategy. Here’s how each one protects a different part of your financial life.
Real Families. Real Outcomes.
“Glad Dan and his team were able to provide me with life coverage at an affordable monthly payment. The process was simple and they explained everything clearly without any pressure.”
Amber Jacobs
Life Insurance Client · Maryland
“Great product and great service. They helped our family find the right coverage that fit our budget. Thank you for your help with our family insurance.”
Mary Williams
Family Policy Client
“Fast and easy final expense policy. They handled everything quickly and made sure my family is protected. Thank you for your excellent and reliable service.”
Hakeem Jamal
Final Expense Client · Maryland
Ready to See What We Can Build for Your Family?
Takes 2 minutes. Zero obligation. We’ll identify your coverage gaps and show you options from multiple A-rated carriers.
See How We Help Families Protect What They’ve Built
Learn how our coordinated retirement strategies work — in plain English, no jargon.
Dan Walsh
Independent Life & Long-Term Care Insurance Specialist · Silver Spring, MD
I was born at Holy Cross Hospital in Silver Spring and grew up at Saint Andrew the Apostle, St. John the Evangelist, and Our Lady of Good Counsel High School. I went on to earn my degree from the Smith School of Business at the University of Maryland. I’ve been helping Maryland families answer “Is long-term care insurance worth it?” since 1997 — long before it became a household conversation.
Over the past 30 years I built two other businesses alongside my insurance work — Guardian Funding Inc., one of the top mortgage originator operations in the nation from 1996 to 2008, and Lightning Wear Apparel, one of the only team uniform manufacturers in the country. Both employed over 100 people at their peak. During those mortgage years I also helped hundreds of homebuying clients protect their loans with mortgage protection insurance. That experience gave me an early and unusually deep view of what happens to families when income stops, health fails, or a spouse is lost unexpectedly. That’s a big part of why I do what I do today.
I genuinely love the people I get to work with. My job is simple: listen, understand what keeps you up at night, and find the product that lets you sleep again. As an independent broker I work for you — not an insurance company — and I have access to 20+ A+ rated carriers to make sure you get the right fit, not just the first available option.
I built everything you see on this site myself — design, copy, tools, all of it. If you’re looking for something you don’t see here, let’s talk. Chances are I can find it, quote it, and get you covered — whatever it takes to give you peace of mind.
Essential Guides — Before You Make Any Decision
Deep, honest guides that our clients say made everything click — written by our advisors, not AI content mills.
Available in Multiple States — Serving Clients Everywhere
We serve clients nationwide by phone, video call, and in person at our Brookeville, MD office.
One Conversation Changes Everything
Let’s Build a Plan That Protects
Everything You’ve Worked For.
Free. No Pressure. Today.
Whether you need guaranteed income, LTC protection, life insurance, or a full retirement strategy — start with a free, no-obligation 2-minute quiz.
MD Life Insurance · Brookeville, MD 20833 · 301-569-2224 · Insurance producer in MD, VA, DC and multiple states. We are an independent insurance brokerage — we are not employed by or exclusively affiliated with any single insurance carrier. All quotes and illustrations are for informational purposes only and do not constitute a binding insurance contract or guarantee of coverage, pricing, or availability. Products and rates vary by state, age, health, and carrier. This page is for educational and informational purposes only and does not constitute financial, tax, legal, or investment advice. Legal