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Cathryn Mcculloch

Financial Professional
Insurance Sales Representative - Bankers Life and Casualty Company
Direct Phone:
(240) 236-9176(240) 236-9176
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Cathryn MccullochInsurance Sales Representative, Frederick, MD

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Meet Cathryn Mcculloch
Personal Business Philosophy
My goal is to offer solutions that meet your needs today and for the life of your retirement. I believe in building a personal relationship with you as my client, so I can better understand your retirement goals and help you get there with confidence and peace of mind.
licensed in
MD, PA
professional background
Joined Bankers Life in 2012Began work in the Insurance Industry in 2012Education: B.A. Spanish and Economics Goucher College
designations received
Insurance Designations: CLTC
personal background
Family: Proud owner of an orange tabby cat named Milo
additional languages
Spanish

Cathryn Mcculloch, Bankers Life Agent in Frederick, MD

Closed - Opens at 9:00 AM Tuesday
Contact Me
Office Phone:
(301) 739-8590(301) 739-8590
Direct Phone:
(240) 236-9176(240) 236-9176
cathryn.mcculloch@bankerslife.com
Branch Info
321 Ballenger Center Dr
Ste 225
Frederick, MD 21703
US
Hours
Day of the WeekHours
SaturdayClosed
SundayClosed
MondayClosed
Tuesday9:00 AM - 5:00 PM
Wednesday9:00 AM - 5:00 PM
Thursday9:00 AM - 5:00 PM
Friday9:00 AM - 5:00 PM

Our Brands and Partners

Our agents provide an expansive suite of insurance options, including core products offered by Bankers Life and Casualty Company, Colonial Penn Life Insurance Company and Washington National Insurance Company.

  • Bankers Life Logo
  • Colonial Penn Logo
  • Washington National Logo

Forget Me Not Days

At Bankers Life, our insurance agents and associates witness firsthand the impact that Alzheimer’s and dementia have on our customers, their families and their caregivers. That’s why we established Bankers Life Forget Me Not Days®, our nationwide fundraising campaign to benefit the Alzheimer’s Association®. This June marks the 23rd anniversary of the campaign. Since 2003, we’ve helped raise more than $7.8 million for the Alzheimer’s Association through the Forget Me Not Days campaign and corporate donations.

Explore Medicare Advantage

You have many choices when it comes to Medicare – I can help you compare Medicare Advantage plans to find the right coverage for you. * Medicare Advantage (Part C) is an all\-in\-one alternative to Original Medicare Parts A and B. * It offers similar coverage, and with the optional benefit of prescription drug coverage (Part D). * Medicare Advantage Plans include an annual maximum out of pocket limit, and some plans offer premiums as low as $0 per month.


Products & Services Offered in Frederick, MD

  • Life Insurance

    Find out how life insurance can help protect the financial security of you and your family.
    Explore
  • Medicare Supplement Insurance

    Learn how Medicare supplement insurance can help cover out-of-pocket costs that Medicare may not cover.
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  • Long-term Care Insurance

    Find out how long-term care insurance can help provide financial security in the event of an unexpected long-term illness.
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  • Annuities

    Learn how an annuity can help protect and grow your retirement savings.
    Explore

Financial Calculators & Tools

Our calculators are here to help support your retirement and insurance planning needs so you can make confident and informed decisions.
Retirement Calculators
Insurance Calculators
  • How Long Will My Retirement Savings Last?

    Determine how long your retirement savings may last considering your monthly spending, sources of income, inflation and more.
  • Estimate Social Security Benefits

    Estimate your future Social Security benefits based on your income history and expected retirement age.
  • Traditional 401(k) or Roth 401(k)?

    How do traditional 401(k) and Roth 401(k) contributions differ, and which option best suits your financial needs?
  • Retirement Income Estimator

    Input your current savings and income sources to estimate your future retirement income and assess if you’re on track to meet your goals.
For information and educational purposes only. Does not constitute investment advice or a recommendation.
Reviews

Reviews for Cathryn Mcculloch

5.0
Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(13 Reviews)
  • 5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Kate was so helpful and kind. I am looking forward to her knowledge and help with my future retirement plans.

    Thank you
Displaying reviews 1 - 1 out of the 13 most recent

Customer Reviews for Frederick, MD

5.0
Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(55 Reviews)
  • Diana B
    May 6, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Clyde was well prepared, very knowledgeable, has a pleasant personality and made me feel comfortable through the whole process. I would definitely recommend him to my friends (and have already).
    Clyde was well prepared, very knowledgeable, has a pleasant personality and made me feel comfortable through the whole process. I would definitely recommend him to my friends (and have already).
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  • Carlton F
    March 25, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Good guy
    Good guy
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  • Debra B
    March 4, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great customer service, knowledgeable and friendly
    Great customer service, knowledgeable and friendly
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  • Barbara N
    February 16, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Kate was so helpful and kind. I am looking forward to her knowledge and help with my future retirement plans.

    Thank you
    Kate was so helpful and kind. I am looking forward to her knowledge and help with my future retirement plans.

    Thank you
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  • Debra B
    February 13, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Very knowledgeable, friendly and helpful
    Very knowledgeable, friendly and helpful
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  • Inge S
    February 8, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Brian has offered great customer support for many years. He is always available for questions. Supports with integrity and compassion.
    Brian has offered great customer support for many years. He is always available for questions. Supports with integrity and compassion.
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  • Eleftheria M
    January 31, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Very personable and informative. Enjoyed the great customer service.
    Very personable and informative. Enjoyed the great customer service.
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  • Isidora M
    January 28, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Excellent Medicare Agent!
    Excellent Medicare Agent!
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  • Kim S
    January 22, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great customer service! Always available and explains thoroughly and works interests of the client to save.
    Great customer service! Always available and explains thoroughly and works interests of the client to save.
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  • Michael L
    January 9, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great customer service and we have been using John for many years and he is always ready and willing to help us and answer any questions we have when he is here.
    Great customer service and we have been using John for many years and he is always ready and willing to help us and answer any questions we have when he is here.
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  • Michel X
    January 7, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Best customer service I have seen. John takes the time to guide you through the process. I would highly recommend him.
    Best customer service I have seen. John takes the time to guide you through the process. I would highly recommend him.
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  • Mary H
    January 2, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Cathryn (Kate) is a great agent. I don't know what I would have done without her. She is very helpful and respectful and makes time for me 24/7. Thank you for having someone like her.
    Cathryn (Kate) is a great agent. I don't know what I would have done without her. She is very helpful and respectful and makes time for me 24/7. Thank you for having someone like her.
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  • Peggy S
    December 24, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Brian makes you feel like a valued customer. Very knowledgeable and thorough.
    Brian makes you feel like a valued customer. Very knowledgeable and thorough.
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  • Jane W
    December 22, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Brian is great to work with! He really helped ne understand everything I needed to know!
    Brian is great to work with! He really helped ne understand everything I needed to know!
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  • Frances W
    December 10, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Had a very friendly, productive and helpful meeting with Clyde at Medicare renewal time.
    Really appreciate the lack of hard sell that I have come to expect from insurance reps.
    Thank you, Clyde.
    Had a very friendly, productive and helpful meeting with Clyde at Medicare renewal time.
    Really appreciate the lack of hard sell that I have come to expect from insurance reps.
    Thank you, Clyde.
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  • Patricia B
    November 21, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Brian has always provided great service. He always answers any questions and looks for the best plan.
    Brian has always provided great service. He always answers any questions and looks for the best plan.
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  • Christine V
    November 12, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Excellent customer service! Extremely knowledgeable and able to answer all questions.
    Excellent customer service! Extremely knowledgeable and able to answer all questions.
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  • Bessie C
    November 5, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great service as always
    Great service as always
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  • Robin R
    October 23, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Very nice working with Dezare, she was knowledgeable and not rushed, she explained things very well
    Very nice working with Dezare, she was knowledgeable and not rushed, she explained things very well
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  • Donald K
    October 22, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Cate is wonderful. She is the first insurance agent I've ever had who has reached out to me on multiple times to make changes to my policies that benefit me. Benefits, I would never have been aware of without her constant care of her clients. And it works both ways because I refer everyone I know to her and all receive the same first class service.
    Cate is wonderful. She is the first insurance agent I've ever had who has reached out to me on multiple times to make changes to my policies that benefit me. Benefits, I would never have been aware of without her constant care of her clients. And it works both ways because I refer everyone I know to her and all receive the same first class service.
    Read More
    Read Less
Displaying reviews 1 - 4 out of the 20 most recent

FAQs

Insights From Cathryn
Featured Videos
Find out how Bankers Life long-term care insurance can offer you or a loved one the flexibility and independence you deserve.
Find out how Bankers Life long-term care insurance can offer you or a loved one the flexibility and independence you deserve.
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Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!
Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!
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Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insu...
Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.
Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.
A couple reviews their finances.
Navigating Financial Planning with a Reluctant Partner: 5 Tips for Success
When it comes to managing your money, we all know how crucial it is to plan and make decisions together. But let’s face it: Discussing finances with a partner isn’t always easy, especially if you don’t see eye-to-eye on the topic or if one of you is hesitant to have those tough conversations. Money can quickly become a point of tension, but ignoring it could lead to bigger problems down the road.
understanding cash on the sidelines
Understanding “Cash on the Sidelines” and the Shifting Economic Landscape
As we navigate through changing economic times, it’s essential to understand some key financial concepts that impact both individual and global economic conditions. You may have heard of the concept, “Cash on the Sidelines,” which often comes up in discussions about stock markets and worries over high risk investments and keeping money in either cash or lower risk, lower-yield investments.
Middle aged couple embracing in autumn.
How to Navigate Social Security Survivor Benefits for a Spouse
"When a loved one passes away, you may need to take some time to process your emotions and seek solace. But when the loved one is your spouse, you may have to both grieve and address a handful of immediate issues, such as figuring out funeral arrangements and costs and sorting out estate, probate, and legal expenses.",Are 60 years old or older; or if you have a disability and are 50 years old or older,Were married for at least 9 months before your spouse passed,Didn’t remarry before age 60 (or age 50 if you have a disability),More than 75% at 61,More than 80% at 63,More than 90% at 65,The deceased’s death certificate,Your and the deceased’s Social Security number,Your birth certificate and marriage certificate (if applicable),"A term or whole life insurance policy can provide a lump sum upon a spouse’s death. This can help replace lost income, cover living expenses, and provide financial stability during an emotionally difficult time.",Annuities are contracts that guarantee regular income payments for life or a set period. Some annuities offer survivor benefits that provide ongoing income to spouses.,A well-funded 401(k) or IRA can supplement survivor benefits and help maintain financial stability.,"Stocks, bonds, and mutual funds can generate dividends and capital gains to supplement Social Security benefits.",Owning rental properties can generate a steady monthly passive income stream that doesn’t rely on employment or Social Security benefits.
Older couple sits in their kitchen with a financial advisor.
Protecting Your Nest Egg: Understanding Sequence Risk in Retirement
As you prepare for retirement, one of the most important considerations is how to ensure that your nest egg lasts throughout your lifetime and you don’t outlive your money. One risk that many may overlook is sequence risk, which occurs when you face poor market returns early in retirement while you’re drawing down your savings. This can cause long-term damage to your portfolio, leaving you vulnerable later on in life.
Two seniors talking with a financial professional.
Planning for Market Uncertainty: 5 Things to Consider If the Market Is Shaky
If you’re retired or nearing retirement, market uncertainty can feel unnerving. After you’ve spent decades working, saving, and planning, it’s natural to be concerned when the market dips or prices start rising.
Older couple sitting at table and smiling.
Annuity vs. Life Insurance: What’s the Difference?
As you think about how you want to approach planning for retirement, you’ll need to make decisions about how to manage financial risks and income. Annuities and life insurance policies are both excellent tools for doing that, but they serve different purposes.

Let's Talk About Your Plans for Long-Term Care!

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As people live longer and health care expenses continue to rise, the need for long-term care becomes more of a "when" than an "if" situation. That's why it's so important to be prepared and have discussions with your loved ones. Ready to start planning your next steps?

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