Best Life Insurance In Maryland

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Best Life Assurance In #VALUE!
Best Coverage In
Best Policies In
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Top Life Insurance Companies In Maryland

Maryland’s life insurance laws are governed by Title 31 of the Code of Maryland Regulations (COMAR).

10-day free look period (MD Code Ann. Insurance 16-101)
30-day grace period (MD 16-202)
If the claim is not settled within 30 days after all documents have been submitted, it begins to accrue interest (MD 16-109)
Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender value (source)

Keep in mind that life insurance laws are very similar from state to state (for example, Massachusetts’s life insurance laws and Michigan’s life insurance laws are nearly identical to those of Maryland).

How Much Is A $10,000 Whole Life Policy In Maryland?

The table below shows the rates by age of $10,000 of whole life insurance in Maryland.

Age	Male	Male (Smoker)	Female	Female (Smoker)
20	$14.89	$17.30	$14.45	$16.42
25	$16.07	$18.61	$14.95	$17.55
30	$17.55	$20.47	$16.32	$18.60
35	$18.79	$21.88	$17.64	$20.63
40	$21.31	$25.03	$20.02	$23.57
45	$23.60	$29.41	$22.29	$27.74
50	$27.25	$33.44	$24.34	$31.36
55	$33.01	$39.88	$27.82	$36.78
60	$39.26	$46.87	$33.37	$42.51
65	$48.27	$58.61	$41.60	$50.40
70	$60.41	$71.00	$52.33	$60.47
75	$97.81	$132.49	$71.42	$95.23
80	$135.02	$182.45	$97.72	$135.74
85	$187.92	$258.49	$131.70	$192.59

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Best Life Assurance In #VALUE!

Baltimore, nestled by the Patapsco River and the Chesapeake Bay, is Maryland’s largest city and a vibrant cultural hub renowned for its distinctive neighborhoods, historical landmarks, and the prestigious Johns Hopkins University. The city’s Inner Harbor, once a major seaport, now thrives with world-class museums, bustling markets, and a variety of seafood restaurants, all paying homage to Baltimore’s maritime heritage. With its iconic Fort McHenry, birthplace of the U.S. National Anthem, and its significant African American heritage, Baltimore boasts a rich tapestry of American history and culture. Renowned for its lively arts scene, from the Baltimore Symphony Orchestra to the grassroots arts district of Station North, the city offers a diverse array of cultural experiences. Despite facing urban challenges, Baltimore is a city of resilience, known affectionately as “Charm City,” embracing its history, diversity, and the promise of rebirth.

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Rockville, nestled in the heart of Montgomery County, Maryland, epitomizes vibrant suburban living with a rich historical backdrop. As one of the state’s largest communities, Rockville is renowned for its lively town center that combines shopping, dining, and entertainment with a welcoming hometown feel. The city prides itself on its beautifully maintained parks, top-rated education system, and a robust economy that includes a mix of government, technology, and biotech employers. Balancing progress with preservation, Rockville cherishes its history, evident in its well-preserved early American architecture and landmarks. A hub of activity, culture, and community engagement, Rockville offers a high quality of life and a dynamic, inclusive atmosphere that appeals to families, professionals, and retirees alike.

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Bowie, nestled in the heart of Prince George’s County, Maryland, is a vibrant city that harmoniously blends suburban living with a rich historical tapestry. Originally established as a small railroad stop, Bowie has blossomed into a sprawling community, home to diverse neighborhoods, lush parks, and a plethora of cultural and recreational opportunities. The city proudly showcases its heritage through the Bowie Railroad Museum and the Belair Mansion, offering a glimpse into its past, while modern amenities and shopping centers cater to the contemporary needs of its residents. Known for its family-friendly atmosphere, excellent schools, and a strong sense of community, Bowie serves as an ideal location for those seeking a balance between serene suburban life and convenient access to Washington, D.C., and Baltimore.

Best Life Cover In

Frederick is a vibrant and historic city nestled in the heart of Maryland. Renowned for its picturesque 18th and 19th-century architecture, Frederick stands out as a hub of arts, culture, and history. Its charming downtown area, lined with unique shops, art galleries, and sumptuous restaurants, offers a perfect blend of modern amenities and old-world charm. Surrounded by the breathtaking beauty of the Catoctin Mountains and close to the famous Civil War battlegrounds, Frederick serves as a gateway to exploring Maryland’s rich heritage and natural landscapes. With its welcoming community, diverse festivals, and thriving economy, Frederick is a dynamic city that offers something for everyone.

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Nestled in the heart of Montgomery County, Maryland, Gaithersburg presents a harmonious blend of historical allure and modern innovation. This vibrant city, established in 1878, has grown from a small agricultural settlement to a bustling urban center, yet it retains a sense of community and charm. With its mix of old-world sights, such as the picturesque Olde Towne, and state-of-the-art facilities including the renowned National Institute of Standards and Technology, Gaithersburg caters to a diverse population. Residents and visitors alike enjoy a wide range of recreational activities, shopping opportunities, and cultural events. The city’s commitment to maintaining green spaces and parks alongside its rapid technological and business growth ensures a quality of life that makes Gaithersburg a unique and delightful place to live, work, and play.

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You never know what battles people may be fighting.

Top Life Insurance Companies In Maryland

For the residents of the great state of Maryland, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.

Transamerica

“Immediate Solution” Whole Life Insurance

Policy Type	Whole Life
States	All except NY
Ages	0 – 85
Coverage	$1,000 – $50,000 (varies by age)
Duration	Lifelong
Waiting Period	No
Rate Lock	Yes

Click for Brochure

Very low prices
No medical exam
Flat, never-increasing premiums
No waiting period

Underwriting has become stricter (e.g., no insulin)
Coverage limited to $25,000 for older applicants

What’s My Rate?

Approved Conditions

ADHD
Addisons Disease
Anxiety Disorder
Artery Disease
Arthritis (Psoriatic)
Arthritis (Rheumatoid)
Asthma (Chronic)
Asthma (Mild)
Atrial Fibrillation
Autism (High Functioning)
Autism (Severe)
Barlows Syndrome
Bladder Pain (Chronic)
Blood Clot
Blood Disorder
Bone Marrow Transplant
Brain Tumor (Removed; Benign)
Bronchitis (Acute)
COVID-19
CPAP Use (w/o Oxygen)
Cancer (Skin)
Cardioversion Treatment
Cerebral Palsy
Chronic Cough
Chronic Pancreatitis
Circulatory Disease
Claudication
Clogged Arteries
Coronary Artery Disease
Crohns Disease
Declined for Life Insurance
Depression
Diabetes (No Insulin)
Diabetes (With Insulin)
Disability
Encephalopathy
Enlarged Heart
Enlarged Prostate
Epilepsy
Felony
Fibromyalgia
Glaucoma
Gout
Guillain-Barre Syndrome
Hashimotos Disease
Heart Arrhythmia
Heart Blockage
Heart Catheterization
Heart Disease
Heart Murmur (Functional)
Heart Murmur (Innocent)
Hemophilia
High Blood Pressure
High Cholesterol
Irregular Heartbeat
Irritable Bowel Syn.
Kidney Stones
Low Blood Pressure
Lupus (Non-Systemic)
Lyme Disease
Malaria
Memory Loss
Mitral Valve Prolapse
Multiple Sclerosis (MS)
Muscular Dystrophy
Myasthenia Gravis
Narcolepsy
Neuropathy (Non-Diabetic)
Osteoarthritis
Osteoporosis
PAD
PTSD
PVD
Pagets Disease of the Bone
Pain (Chronic)
Pancreatic Insufficiency
Panic Disorder
Parole / Probation
Pernicious Anemia
Pneumonia
Pulmonary Embolism
Pulmonary Sarcoidosis
Respiratory Failure
Restless Leg Syndrome
Scleroderma
Seizures
Sepsis
Shingles
Sjogrens Syndrome
Sleep Apnea (No Oxygen)
Spina Bifida
Spinal Stenosis
Stem Cell Transplant
Suicide Attempt
Thrombocythemia
Thrombocytopenia
Thrombosis (Blood Clots)
Thyroid Disorders
Tourettes
Ulcer
Ulcerative Colitis
Unexplained Weight Loss (> 10 lbs)
Vertigo
Wegeners Granulomatosis
Wet Macular Degeneration
Wolff-Park. Syndrome

Declined Conditions

ADL Assistance Required
Alcohol / Drug Abuse
Aneurysm (Corrected)
Aneurysm (Not Corrected)
Angina
Angioplasty
Assisted Living Facility
Awaiting Surgery
Awaiting Test Results
Bedridden
Brain Tumor (Not Removed; Benign)
CHF
CPAP Use (w/Oxygen)
Cancer (Not Skin)
Cardiac Ablation
Cardiomyopathy
Circulatory Surgery
Coronary Artery Bypass
DUI / DWI
Defibrillator
Diabetic Coma
Gastric Bypass
Heart Attack
Heart Surgery
Heart Valve Surgery
Hemorrhagic Stroke
Hodgkins Lymphoma
Home Health Care
Hospitalization
Huntingtons Disease
Hypertrophic Cardiomyopathy
Insulin Shock
Intracerebral Hemorrhage
Lap Band Surgery
Leukemia
Liver Disease
Liver Disorder
Melanoma
Multiple Myeloma
Myocarditis
Nephropathy
Neuropathy
Non-Hodgkins Lymphoma
Nursing Home
Organ Transplant (Completed)
Oxygen (Non-Continuous)
Oxygen (Sleep Apnea Use Only)
Oxygen Use (Continuous)
Pacemaker
Paralysis
Paraplegia
Pending Hospitalization
Pending Surgery
Quadriplegia
Retinopathy
Sleep Apnea (w/Oxygen)
Stent Placement
Stroke / TIA
Watchman Implant
Wheelchair (Confined)
Wheelchair (Not Confined)

Mutual of Omaha

“Living Promise” Whole Life Insurance

Policy Type	Whole Life
States	All except NY
Ages	45 – 85
Coverage	$2,000 – $50,000
Duration	Lifelong
Waiting Period	No
Rate Lock	Yes

Click for Brochure

Excellent customer service
No medical exam
Flat, never-increasing premiums
No waiting period

Moderately strict underwriting

What’s My Rate?

Approved Conditions

ADHD
Addisons Disease
Anxiety Disorder
Artery Disease
Arthritis (Psoriatic)
Arthritis (Rheumatoid)
Asthma (Chronic)
Asthma (Mild)
Atrial Fibrillation
Autism (High Functioning)
Autism (Severe)
Barlows Syndrome
Bladder Pain (Chronic)
Blood Clot
Blood Disorder
Bone Marrow Transplant
Brain Tumor (Removed; Benign)
Bronchitis (Acute)
COVID-19
CPAP Use (w/o Oxygen)
Cancer (Skin)
Cardioversion Treatment
Cerebral Palsy
Chronic Cough
Chronic Pancreatitis
Circulatory Disease
Claudication
Clogged Arteries
Coronary Artery Disease
Crohns Disease
Declined for Life Insurance
Depression
Diabetes (No Insulin)
Diabetes (With Insulin)
Disability
Encephalopathy
Enlarged Heart
Enlarged Prostate
Epilepsy
Felony
Fibromyalgia
Glaucoma
Gout
Guillain-Barre Syndrome
Hashimotos Disease
Heart Arrhythmia
Heart Blockage
Heart Catheterization
Heart Disease
Heart Murmur (Functional)
Heart Murmur (Innocent)
Hemophilia
High Blood Pressure
High Cholesterol
Irregular Heartbeat
Irritable Bowel Syn.
Kidney Stones
Low Blood Pressure
Lupus (Non-Systemic)
Lyme Disease
Malaria
Memory Loss
Mitral Valve Prolapse
Multiple Sclerosis (MS)
Muscular Dystrophy
Myasthenia Gravis
Narcolepsy
Neuropathy (Non-Diabetic)
Osteoarthritis
Osteoporosis
PAD
PTSD
PVD
Pagets Disease of the Bone
Pain (Chronic)
Pancreatic Insufficiency
Panic Disorder
Parole / Probation
Pernicious Anemia
Pneumonia
Pulmonary Embolism
Pulmonary Sarcoidosis
Respiratory Failure
Restless Leg Syndrome
Scleroderma
Seizures
Sepsis
Shingles
Sjogrens Syndrome
Sleep Apnea (No Oxygen)
Spina Bifida
Spinal Stenosis
Stem Cell Transplant
Suicide Attempt
Thrombocythemia
Thrombocytopenia
Thrombosis (Blood Clots)
Thyroid Disorders
Tourettes
Ulcer
Ulcerative Colitis
Unexplained Weight Loss (> 10 lbs)
Vertigo
Wegeners Granulomatosis
Wet Macular Degeneration
Wolff-Park. Syndrome

Declined Conditions

ADL Assistance Required
Alcohol / Drug Abuse
Aneurysm (Corrected)
Aneurysm (Not Corrected)
Angina
Angioplasty
Assisted Living Facility
Awaiting Surgery
Awaiting Test Results
Bedridden
Brain Tumor (Not Removed; Benign)
CHF
CPAP Use (w/Oxygen)
Cancer (Not Skin)
Cardiac Ablation
Cardiomyopathy
Circulatory Surgery
Coronary Artery Bypass
DUI / DWI
Defibrillator
Diabetic Coma
Gastric Bypass
Heart Attack
Heart Surgery
Heart Valve Surgery
Hemorrhagic Stroke
Hodgkins Lymphoma
Home Health Care
Hospitalization
Huntingtons Disease
Hypertrophic Cardiomyopathy
Insulin Shock
Intracerebral Hemorrhage
Lap Band Surgery
Leukemia
Liver Disease
Liver Disorder
Melanoma
Multiple Myeloma
Myocarditis
Nephropathy
Neuropathy
Non-Hodgkins Lymphoma
Nursing Home
Organ Transplant (Completed)
Oxygen (Non-Continuous)
Oxygen (Sleep Apnea Use Only)
Oxygen Use (Continuous)
Pacemaker
Paralysis
Paraplegia
Pending Hospitalization
Pending Surgery
Quadriplegia
Retinopathy
Sleep Apnea (w/Oxygen)
Stent Placement
Stroke / TIA
Watchman Implant
Wheelchair (Confined)
Wheelchair (Not Confined)

Aetna

“Protection Series” Whole Life Insurance

Policy Type	Whole Life
States	All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA
Ages	45 – 89
Coverage	$2,000 – $50,000 (varies by age)
Duration	Lifelong
Waiting Period	No
Rate Lock	Yes