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.
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
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.
Guaranteed Acceptance Burial Insurance
Whole life burial coverage with no medical exam and easy qualification, built for seniors with health concerns or prior denials.
Irrevocable Funeral Trusts
How Central Texas seniors can shelter burial funds from Medicaid spend-down while keeping final expense coverage.
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.
How to Apply in 4 Simple Steps
From quote to policy to claim, every step is simple and no-pressure.
Get your free quote
Call or fill in the online form. No personal medical history needed to get a rate.
One-page application
A few simple health questions, no medical exam. Most applicants qualify the same day.
Policy issued
Pick your coverage from $5,000 to $35,000. Your premium is locked in for life.
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.
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?
Does Maryland have a Medicaid burial exemption?
Who regulates burial insurance in Maryland?
Can Maryland seniors qualify with a pre-existing health condition?
Which Maryland cities and communities do you serve?
How quickly can I get a burial insurance quote in Maryland?
Nearby service areas
Ready to protect the ones you love?
Get a free quote in minutes — no medical exam, no pressure. Most applicants qualify.