Maryland Senior Rate Registry
State-regulated final expense insurance rates for Maryland residents.
Last Updated: September 07, 2026
⚡ Maryland Instant Rate Estimator ($10,000 Coverage)
Recommended coverage to meet the $9,400 Maryland funeral cost average
Step 1: Select your age group to view estimated monthly rates for $10,000 coverage in Maryland:
Estimated Rate Range for Ages in Maryland:
- Local Funeral Cost: The average funeral in Maryland costs $9,400, which can be fully covered by a state-regulated final expense plan.
- Regulator Oversight: All plans and premiums are filed with the Maryland Insurance Administration to ensure level lifelong premiums.
- No Medical Exam: Seniors ages 50–85 can secure coverage through simple health questions with zero physical exams.
- Immediate Coverage: Qualified Maryland applicants can access Day-1 level death benefit protection.
Burial Insurance in Maryland
Maryland has a population of approximately 6,766,039 residents, with an estimated 1,014,905 residents age 65 or older. We provide rate information for 201 cities across the state.
All burial insurance policies in Maryland are regulated by the Maryland Insurance Administration, ensuring consumer protection and fair pricing. The average funeral cost in Maryland is $9,400, which can be fully covered by a final expense policy.
Final expense insurance in Maryland offers:
- No medical exam required – Most plans approve applicants ages 50-85 with just a few health questions
- Permanent coverage – Your premium never increases and your benefit never decreases
- Same-day approval – Many carriers offer instant decisions for qualified applicants
- State-regulated rates – All carriers must file rates with the Maryland Insurance Administration
Frequently Asked Questions in Maryland
What is the average cost of a funeral in Maryland?
The average cost of a funeral in Maryland is $9,400. This includes traditional burial services, casket, and basic services, which can be fully covered by a state-regulated final expense policy.
Do burial insurance policies in Maryland have waiting periods?
State-regulated final expense plans in Maryland offer both immediate (Day 1) coverage options with no medical exam for qualified applicants, as well as graded or modified benefit plans that have a waiting period depending on health history.
How do state-regulated final expense programs work in Maryland?
All final expense and burial insurance policies in Maryland must file their rates and rules with the Maryland Insurance Administration. This ensures that premiums are locked in for life and policies cannot be canceled due to changes in age or health.