Licensed In MD, PA, VA, WV, DC, OH

3 Decades of Experience


(301) 790-3304

Workplace Benefits

Disability insurance provides income protection for people who are unable to work due to an injury or medical condition. Policy holders can usually receive up to 65 percent of their gross income if a disability prevents them from working. Disability insurance does not cover healthcare or long-term services. People will not be eligible for disability insurance after the age of 65.

Accident Insurance

It’s difficult to plan for an unexpected injury, but accident insurance helps people pay medical and out-of-pocket expenses. Policies cover major medical expenses such as hospital stays and ambulance bills. Accident insurance will also pay for emergency treatment and medical exams. People can also rely on accident insurance when they need lodging or transportation.

Critical Illness/Cancer Insurance

Critical illness insurance provides coverage for serious medical conditions that usually require expensive treatment. Common critical illnesses covered under this plan include cancer, heart attack, and stroke. Cancer insurance covers additional expenses such as doctor bill and hospital stays. Critical illness and cancer insurance pays people one lump sum that can be used for medical expenses, bills, childcare, and transportation. Individual plans reimburse members up to $50,000. Fully underwritten plans reimburse people up to $500,000.

Universal Life Insurance

Universal life insurance is a combination of term life insurance and a savings plan. The cost of insurance must be paid to keep coverage, but the premium can be adjusted to accommodate individual needs. Premiums paid over the minimum cost will be transferred into cash value. People can also use cash value funds to pay for premiums.

Work benefits often include supplemental insurance plans to cover medical and personal expenses when someone becomes injured, disabled, or physically ill. Supplemental insurance plans pay for expenses that are usually not covered by a medial heath plan. Common types of supplemental plans include long-term care, disability, accident, critical illness, and universal insurance.

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I’ve been with the Karlen Agency for over 25 years.  They’ve always gone above and beyond with their service, claims, and advice.  Highly recommend them.


I was looking for car insurance and met with James from the Geoffrey Karlen Agency, he was well informed and extremely patient in answering my numerous questions. Everyone from the GK Agency was helpful and I highly recommend them.

Amanda B.

James helped me set up a commercial insurance policy for my business. He is very helpful and my policy is not only less expensive than my old one, but the service is much better as well. I will be re upping next year and highly recommend anyone looking for a commercial policy give him a call!

Dustin Beruta

I switched to Nationwide for my homeowner’s insurance. James was extremely through and even told me about items that I did not have on my original policy that protect me as an owner during a catastrophe. The agency’s attention to detail and customer service is AMAZING! Thanks guys!

Kristin Salgado

My Agent James Van Kirk has been amazing. I switched to Nationwide for my renters insurance. James, and this Agency, is extremely thorough. The email updates regarding policy notifications are great for me since I’m always on the run. The agency’s attention to detail and customer service is why I’ll be staying and telling all of my friends about them.

Jason Washington

Its refreshing to know that professionals like my agent James are still in our area. As someone who gets to see many operations and practices, this office always exceeds my expectations and are among my favorite local professionals to do business with.

Mike DeLoso


(301) 790-3304


(301) 698-1686


(301) 334-1040


(301) 831-0223


(240) 422-8652


(304) 258-4251


(304) 754-5601

19756 Longmeadow Rd.
Hagerstown, MD 21742

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Frederick, MD 21702

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Oakland, MD 21550

602 Center St. Ste 107
Mount Airy, MD 21771

3 Hillcrest Dr. Unit A203
Frederick, MD 21703

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