Peace of Mind
Life, Disability & Long-Term Care Insurance
Perl Insurance Advisory
Custom insurance to match your specific needs.
Insurance Products
Each of the products that Greg chooses through Perl Insurance Advisory are custom chosen for specific client needs. Learn more about the insurance options that Greg offers.
About Greg
Greg Perl has a strong passion for insurance. In fact, his wife simply calls him “Agent,” because of his dedication to his craft. His passion for insurance began during his college career.
Get in Touch
Please never hesitate to reach out with any thoughts, questions, ideas, suggestions or quote requests, whether through email or phone call! Good coverage is just a click away.
You’re Unique
Your insurance plan should be custom built by a pro.
Insurance Products
Each of the products that Greg chooses through Perl Insurance Advisory are custom chosen for specific client needs. Learn more about the insurance options that Greg offers and how they can work as a safety net for you or your business.
Life Insurance
Life insurance is there to protect your loved ones at the toughest of times. No one likes to discuss “what-if” situations but having a good plan in place eases the worry.
Whether this is your first time shopping for life insurance and you need a “Life Insurance 101” course or you haven’t reviewed your policy in years, Greg can help.
Additionally, Greg can help with business continuation and other concerns for small-medium sized businesses. These include protecting key employees, aiding with buy-sell funding and business continuation strategies.
Disability Insurance
Did you know that medical problems and disability were the causes of 62% of bankruptcies filed in 2007? That equates to over 500,000 cases of bankruptcies.
It’s important to note that nearly 25% of the workforce will experience a disability that puts them out of work for 3 months or longer in their lifetimes.
Whether you need an individual plan or employer offered group plans, Greg can help you prepare disability insurance that suits your needs. Greg tailors plans to ensure an unexpected disability doesn’t hamper your ability to pay the bills.
Long-Term Care Insurance
Long-term care insurance is a specialty of Greg’s. He spent nearly a decade working with one of the leaders in the industry and has come out of it with a wealth of knowledge.
Additionally, long term care insurance benefits are a personal matter for him. Three out of four of his grandparents required at least a year of long-term care toward the end of their lives.
Over 8 million people require long-term care annually. Of this population, over 63% of patients in long-term care facilities are over the age of 64. For a private room in a nursing home facility, the average cost of care is just over $70,000 per year.
Fixed Annuities
In an economic environment full of low interest rates, it’s nice to know exactly how much money you’re going to get every month during your retirement.
Fixed annuities can give you this comfort and guarantee. The beauty of fixed annuities is the fixed rate of return, higher and more competitive than CDs or money market accounts.
While fixed annuities generally carry a two to six year obligation, some carriers allow for liquidity during the rate guarantee period. Greg can help you navigate this information and decide whether a fixed annuity is right for your needs.
Medicaid Compliant Annuities
Greg works alongside local elder care attorneys who specialize in helping clients preserve their assets while creating a plan to qualify for Medicaid benefits when a spouse needs long-term care.
Maryland has specific guidelines for an annuity to be considered Medicaid Compliant, so working with the right team matters. Greg can help walk you through Maryland’s criteria and execute a plan with your local attorney that satisfies state guidelines and ensures your assets are preserved in the most thoughtful and efficient manner. Many people don’t realize this solution might be available to them, and it can be an efficient tool in the right scenario compared to paying out of pocket for the high cost of care.
Insurance is Complicated
Use a professional who knows how to help you the best.
About Greg
Greg Perl has a strong passion for insurance. In fact, his wife simply calls him “Agent,” because of his dedication to his craft.
His passion for insurance began during his college career. In his senior year, he received an internship at Guardian and had an excellent mentor. This wonderful mentorship gave him the push he needed to enter the insurance business in 2002.
Following his graduation from Syracuse with a degree in economics and a minor in business management studies, Greg went on to work for John Hancock from 2003 until 2016, when he decided it was time to take matters into his own hands. In 2016, he started Perl Insurance Advisory in order to work as an independent advisor. The independent nature of the work he does allows him to be an unbiased party and gives him the freedom to find the perfect solution for any client.
Greg grew up in Owings Mills, graduating from McDonogh School. He has stayed close to the area, and is currently residing in Lutherville-Timonium. When he’s not working on insurance solutions, he enjoys spending time outdoors fishing and hiking with his wife, Jenny, and his two young children, McCoury and Charlotte.
Professional Partnerships
Another passion of Greg’s is helping other professionals.
In a world where laws or products can change in an instant, it just isn’t feasible for attorneys or financial advisors to know everything about the world of insurance. Greg enjoys being able to assist other professionals in order to answer questions for them as well as their clients. Since insurance is something that he knows well and keeps up with, his knowledge base can be an invaluable asset for bankers, financial planners and other professionals.
The bottom line for Greg is that when a client seeks out a professional, he or she should be able to get the best assistance possible. When a fellow professional doesn’t know the answer to an insurance question that the client has, that professional should be able to turn to Greg in order to better serve the client.
If you’re interested in a professional partnership, please don’t hesitate to reach out via phone or email.
Get In Touch
Please never hesitate to reach out with any thoughts, questions, ideas, suggestions or quote requests, whether through email or phone call!