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UnitedHealthcare/Johns Hopkins Contract Dispute Outcome

Click here for Maryland Insurance Administration Statement and Guidance

Life Insurance and Annuities

Welcome!

Your need for life insurance varies with your age and family responsibilities. It is a very important part of financial planning. There are several reasons to purchase life insurance. You may need to replace income that would be lost with the death of a wage earner. You may want to make sure your dependents do not incur significant debt when you die. Life insurance may allow them to protect assets versus selling them to pay outstanding bills or taxes. Consumers should consider the following factors when purchasing life insurance:

Medical expenses incurred prior to death, burial costs and estate taxes;
Support while surviving family members try to secure employment; and
Monthly bills and expenses, day-care costs, college tuition and retirement

While the Maryland Insurance Administration does not sell insurance and we cannot recommend a particular policy or insurance company, we do want to help you learn what types of coverage are available. Additionally, we are here to assist you if you have a complaint involving an insurer, an insurance producer, public adjuster or adviser.

General Information

Consumer Guide to Life Insurance
Guía Para El Consumidor: Seguro de Vida
소비자 안내서 – 생명 보험
Overview: Here's what you should know before you purchase life insurance
Universal Life Insurance
Life Insurance for Military Personnel
Retained Asset Accounts and Life Insurance - What Consumers Need to Know About Life Insurance Benefit Payment Options
Group Life Insurance Terminations
Information for when an employer cancels your group life insurance policy
Viatical Settlements - A Guide to Selling Your Life Insurance Policy
FAQ - Life Insurance

Miscellaneous

Life Insurance Policy Locator
Frequently Asked Questions
Consumer Advisory: Free Life Insurance Policy Locator Tool Available
Cemeteries, Funeral Homes and Monument Dealers
Information about pre-burial needs from the Department of Labor Licensing and Regulation
Maryland Life & Health Insurance Guaranty Corporation

Annuities

A Consumer Guide to Annuities
Overview: Here's what you should know before you purchase an annuity
Maryland Life & Health Insurance Guaranty Corporation
Webinar: Annuities 101: Video
Consumer Advisory: Trading Your Annuity for a New One

Videos

Life Insurance for Young Adults: Video
Webinar: Annuities 101: Video
Don't let life insurance policy benefits go unclaimed: Video
How to find a missing life insurance policy: Video
How to Purchase life insurance: Video
What is Universal Life Insurance? Video
The LIfe and Health unit is here to help: Video
The Life and Health Complaints unit may be able to Help: Video

Use the Life Insurance Policy Locator to help located life insurance policies and annuity contracts of a deceased family member or close relationship:

Click here to watch recorded webinars or video content:

To learn more about our consumer education and advocacy initiatives, read our Consumer Publications. These materials provide information about most types of insurance from auto, homeowners, health and life policies to annuities, title insurance and coverage for boats.

If your community group, HOA or organization is interested in a virtual or in-person presentation or speaker, contact Associate Commissioner Patricia Dorn at patricia.[email protected] or click here.