Coverage

Where we sell, where we advise.

Chao Insurance is licensed in property, casualty, life, and health. At this time we are actively writing new policies in life insurance only — including term, whole life, and indexed universal life. For property, casualty, and health, we provide expert guidance and referrals to brokers and carriers we trust.

Currently writing — principal practice

Life Insurance

Term and permanent life policies sized around real numbers: income to replace, debt to retire, dependents to support, and a legacy benefit if you want one. Indexed universal life (IUL) is part of this practice — a permanent policy with cash value that grows based on a market index, capped on the upside and floored at zero. We quote across multiple A-rated carriers on every case and review every policy each renewal.

10, 20 and 30-year level term
Whole life with paid-up additions
Indexed universal life (IUL), properly designed and reviewed annually
Convertible term riders and survivorship policies

Advice & referrals — not currently writing

Property & Casualty

Licensed in property and casualty, but we are not actively writing home, auto, or umbrella policies at this time. We will happily review your existing coverage, flag what to ask, and refer you to brokers and carriers we trust in MD, DC, and VA.

Coverage reviews on existing home, auto and umbrella policies
Bundling and renewal-shopping guidance
Referrals to vetted P&C brokers

Advice & referrals — not currently writing

Health & Supplemental

Licensed in health, but we are not actively writing ACA, Medicare, or supplemental plans right now. We can talk through your situation in plain English and point you toward a specialist who will match plans to your providers and budget.

Plan comparisons and second opinions
Medicare Supplement and Advantage guidance
Referrals to specialty health brokers

Speak with us

Not sure where to start? Call us.

A fifteen-minute conversation usually tells us which conversation to have next.

Call 240-432-2470