# Burial Insurance Maryland | 24-Hour Claim Payout > Looking for burial insurance in Maryland? No medical exam, $5,000-$35,000 coverage, and approved claims paid within 24 hours. Call (800) 930-7459. URL: https://finalexpenseinsurance.com/service-areas/maryland/ ![Central Texas landscape near Maryland](/images/misc/wide-landscape-view-of-a-central-texas-neighborhoo.webp) # Maryland Burial Insurance - No Medical Exam Required Looking for burial insurance in Maryland? No medical exam, $5,000-$35,000 coverage, and approved claims paid within 24 hours. Call (800) 930-7459. Get a Free Quote [/contact/ →](/contact/) Call (800) 930-7459 [tel:+18009307459 →](tel:+18009307459) 4.8 ★ Trusted by 1M+ policyholders 24 hrs Approved claim payout 63+ Years serving families No Exam One-page application ## What Happens When There's No Funeral Plan The hardest moment for a family is also the most expensive. A small plan now spares them both. ### Funeral costs over $10,000 Traditional burial in the Austin area averages about $7,912, and total costs often top $10,000 once add-ons are included. ### Declined for life insurance Many seniors are turned away because of age or health. Standard underwriting rules out coverage that families really need. ### No plan in place When a loved one dies suddenly, families face thousands in costs and impossible decisions in the middle of grief. ### Overwhelmed by funeral homes Comparing prices, reading contracts, and avoiding upsells at the worst possible time is a lot to ask of any family. ## Statewide Coverage for Maryland Families Nationwide Final Expense has served families across the Mid-Atlantic since 1963, and Maryland seniors consistently face some of the region's highest end-of-life costs. Traditional burial averages **$8,023** for a full service with viewing and burial, based on NFDA 2023 South Atlantic regional data. Cremation with a service averages **$6,103** regionally. In **Baltimore**, direct cremation runs roughly **$1,400 to $5,980** across providers, with traditional burial estimated at roughly **$5,970 to $14,670** (DFS Memorials and Evermore Directory, 2026 estimates). For **Silver Spring** and **Bethesda** families, the South Atlantic regional average is the most reliable benchmark. State Medicaid planning rules offer practical protections: a revocable burial fund up to **$1,500** is exempt from asset counts, and a burial space - including a plot, vault, or marker - carries no dollar limit. **Irrevocable funeral trusts (IFTs)** are permitted under state law; confirm the current permissible cap in Maryland's Medicaid manual with a licensed agent. The **Maryland Insurance Administration** (insurance.maryland.gov) regulates all life insurance sold here, and every policy includes a standard **10-day free-look period** during which you may cancel for a full premium refund. With approximately **16 percent** of residents aged 65 or older and a life expectancy of roughly **77.8 years**, planning ahead is practical. Whether you live in **Towson**, **Bowie**, **Ellicott City**, or **Glen Burnie**, Nationwide Final Expense agents help families from the Eastern Shore to Western Maryland. Searching for burial insurance near you? We offer over-the-phone applications from anywhere in the state - no medical exam required, and approved claims are paid within 24 hours (2026 rates). ### Areas served - Baltimore - Rockville - Gaithersburg - Silver Spring - Bethesda - Frederick - Annapolis - Hagerstown - Laurel - Columbia ### Local landmarks - Johns Hopkins Hospital - University of Maryland Medical Center - National Institutes of Health (NIH) - Suburban Hospital - University of Maryland ![Senior adult walking in the Maryland area](/images/features/older-central-texas-adult-walking-through-a-neighb.webp) ## Coverage Plans From $5,000 to $35,000 ### No medical exam A one-page application with a few simple health questions. Most Maryland applicants qualify the same day. ### 24-hour claim payout Approved claims paid in cash within 24 hours so your family has funds for the funeral home deposit and what comes next. ### Personal Funeral Advisor A live advisor calls Maryland-area funeral homes, compares prices, and reviews contracts on your family's behalf. ## Our services for Maryland families Every plan and planning service we offer is available to seniors and families in Maryland. ### Funeral Planning Assistance (FCGS) Concierge funeral-planning support that activates at time of need, included free with every Funeral Advantage policy. [Funeral Planning Assistance (FCGS) →](/funeral-planning-assistance/) ### Guaranteed Acceptance Burial Insurance Whole life burial coverage with no medical exam and easy qualification, built for seniors with health concerns or prior denials. [Guaranteed Acceptance Burial Insurance →](/guaranteed-acceptance-burial-insurance/) ### Irrevocable Funeral Trusts How Central Texas seniors can shelter burial funds from Medicaid spend-down while keeping final expense coverage. [Irrevocable Funeral Trusts →](/irrevocable-funeral-trusts/) ### Preneed vs. Final Expense Funding Plain-English help deciding between locking in prices with a funeral home and keeping flexible cash with final expense insurance. [Preneed vs. Final Expense Funding →](/preneed-vs-final-expense/) ## How to Apply in 4 Simple Steps From quote to policy to claim, every step is simple and no-pressure. 1 ### Get your free quote Call or fill in the online form. No personal medical history needed to get a rate. 2 ### One-page application A few simple health questions, no medical exam. Most applicants qualify the same day. 3 ### Policy issued Pick your coverage from $5,000 to $35,000. Your premium is locked in for life. 4 ### 24-hour claim payout When the time comes, approved claims are paid within 24 hours so family has cash on hand. ## Ready to Protect Your Family? No medical exam, no pressure. A licensed advisor will tell you honestly whether the coverage fits. Get a Free Quote [/contact/ →](/contact/) Call (800) 930-7459 [tel:+18009307459 →](tel:+18009307459) ## Why Central Texas Families Choose Nationwide We treat a hard subject with dignity and make a confusing decision feel simple. ### Approved claims paid in 24 hours Your family has cash on hand right when they need it, not weeks or months later. ### No medical exam to qualify A one-page application with a few simple health questions. Most applicants qualify. ### Pre-existing conditions accepted Health issues that get you declined elsewhere don't disqualify you with us. ### Premiums never increase A fixed monthly rate from day one. Locked in for the life of the policy. ### Personal Funeral Advisor included A live advisor calls funeral homes for your family, compares prices, and reviews contracts - at no extra cost. ### A.M. Best A- and BBB A+ rated A 63-year-old company with more than 1,000,000 policies in force across the country. ## What Maryland-area families say Real stories from policyholders who trusted us with the most important plan they ever made. > "After being turned down twice for my health, I was sure no one would cover me. They approved me with just a one-page form and no exam. Such a relief." > "When my husband passed, their advisor called the funeral homes for us and saved us thousands. I don't know how we'd have managed the paperwork on our own." > "The claim was paid the very next day. The money was there when we needed it, not weeks later. Exactly what they promised." ## Common Questions About Final Expense Coverage ### What is the average funeral cost in Maryland? A traditional burial in Maryland averages about $8,023 for a full service with viewing and burial, based on NFDA 2023 South Atlantic regional data. Cremation with a service averages around $6,103 regionally. In Baltimore, direct cremation runs roughly $1,400 to $5,980, with traditional burial estimated at roughly $5,970 to $14,670 (DFS Memorials and Evermore Directory, 2026, estimates). For Silver Spring and Bethesda families, the regional average is the most reliable benchmark, as no published city-level figure is available. A Funeral Advantage policy is sized to cover these typical costs with room for outstanding bills. ### Does Maryland have a Medicaid burial exemption? Yes. A revocable burial fund up to $1,500 is exempt from Maryland Medicaid asset counts, and a burial space, including a plot, vault, or marker, is exempt with no dollar limit. Irrevocable funeral trusts (IFTs) are permitted under state law, giving families pursuing Medicaid eligibility an additional way to protect burial funds. Confirm the current IFT cap in Maryland's Medicaid manual with a licensed agent, as specific limits may be updated. ### Who regulates burial insurance in Maryland? The Maryland Insurance Administration (insurance.maryland.gov) regulates all life insurance sold in the state. Final expense policies include a standard 10-day free-look period: you may cancel within 10 days of receiving your policy and receive a full premium refund. Standard two-year contestability and suicide clauses apply, consistent with most states. The state guaranty fund covers up to $300,000 in benefits, which fully protects any final expense policy since face amounts are under $50,000. ### Can Maryland seniors qualify with a pre-existing health condition? Yes. Most applicants with pre-existing conditions qualify on a simplified-issue basis with no medical exam. For more severe conditions, a guaranteed acceptance option is available with a modified benefit and a 2 to 3 year waiting period that refunds premiums plus interest if a claim occurs during that period. ### Which Maryland cities and communities do you serve? We serve seniors statewide, including Baltimore, Rockville, Gaithersburg, Silver Spring, Bethesda, Frederick, Annapolis, Hagerstown, Laurel, and Columbia, with licensed agents and over-the-phone applications available from anywhere in Maryland. ### How quickly can I get a burial insurance quote in Maryland? Most applicants receive a same-day quote. There is no medical exam, just a one-page application with a few health questions. Policies are typically issued within days of applying, and approved claims are paid within 24 hours. ## Nearby service areas Delaware [/service-areas/delaware/ →](/service-areas/delaware/) Connecticut [/service-areas/connecticut/ →](/service-areas/connecticut/) Maine [/service-areas/maine/ →](/service-areas/maine/) ## Ready to protect the ones you love? Get a free quote in minutes — no medical exam, no pressure. Most applicants qualify. Get a Free Quote [/contact/ →](/contact/) Call (800) 930-7459 [tel:+18009307459 →](tel:+18009307459)