Best Life Insurance 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.

AgeMaleMale (Smoker)FemaleFemale (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

Choose kindness.

You never know what battles people may be fighting.

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.

#VALUE!

Best Coverage In

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.

Choose kindness.

You never know what battles people may be fighting.

Best Policies In

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.

Best Life Insurance In

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.

Choose kindness.

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
  • 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
  • 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
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
  • N/A
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)

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