R. Wayne Barnes, CLU, CLTC Independent Insurance Broker P.O. Box 1742 Westminster, Md 21158 Phone: 410-857-4775   Fax: 410-857-6174

About R. Wayne Barnes Over 30 years experience helping clients purchase Life, Long term Care and Disability Insurance as well as Annuities, while representing most Insurance Companies. As an INDEPENDENT BROKER, I try to find the best product to fit a client's needs by shopping many insurance carriers.

Services Certified in Long Term Care Insurance (CLTC) Licensed Insurance Consultant Chartered Life Underwriter (CLU) Retirement and Estate Planning	Affilations Carroll County Chamber (Past President) National Assoc of Insurance & Financial Advisors of Carroll (Past President) Carroll Co Economic Development Commission
	Current Boards of Directors Carroll Hospital Center Foundation Carroll Lutheran Village Access Carroll Farmers Mutual Fire Insurance Co of Dug Hill Carroll County Farm Bureau Carroll Co Chamber of Commerce