life insurance
in maryland

life insurance 
in maryland

Malhotra & Assoc. Insurance Has You Covered

Maryland Life Insurance Experts

If you need life insurance, Malhotra can help you navigate the variety of options presented to you. As an independent insurance agency, our team work hard to deliver exceptional service and competitive prices. We can help you find the best life insurance options in Maryland.


No matter how much coverage you may be looking for, or what plan your family needs, you can rely on our team of insurance professionals to help you get the best coverage at a great price.


We offer great prices, honest guidance, and a customized service designed to meet your needs.

Get a tailored life insurance quote with us today.

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maryland Life insurance

Frequently Asked Questions About Life insurance in Maryland

When it comes to life insurance in Maryland, we tend to get the same questions often.

What is the Difference Between Term Life Insurance and Whole Life Insurance in Maryland?

A term life policy covers a specific term, measured in years. While whole life insurance lasts the lifetime of the insured.

What type of life insurance is best?

Let Malhotra help you determine whether the best value for your family is whole life or for a term. We can then guide you through costs and coverage levels to identify the best value for you.

Purchase Life Insurance from Malhotra & Assoc. Insurance

Let our team of Maryland life insurance experts make sure you are protected from the unexpected. At Malhotra & Assoc. Insurance, we work with top insurance carriers to make sure you find the best policy for your needs and wallet. Give us a call today or visit us at one of our locations!

The Best Quotes for Life Insurance in Maryland

If you are considering buying a life insurance policy in Maryland, then you’ll no doubt understand there are a myriad of options to choose from. Our team provide you with the best quotes for life insurance, and we will search our panel of life insurance providers to deliver the most suitable coverage options for your family’s needs. 

Unlike health insurance, life insurance is designed to protect any loved ones who have been left behind. When it comes to this important decision, it is best to have an impartial expert to help guide you through the process.

Why should you buy life insurance?

There is peace of mind that comes from knowing that whatever happens in life, you’ve taken the appropriate measures to protect your family. Depending on the insurance you purchase, beneficiaries of your policy can receive money to help with funeral expenses, mortgages, and other debts that are left behind.

When Should You Purchase Life Insurance?

Waiting to purchase life insurance is often a poor decision, as it can lead to a greater cost to you. Waiting to purchase insurance until you are in your golden years or in declining health, can lead to greater costs and lower coverage. Purchasing life insurance while you are younger is always the better decision, as it leads to lower monthly costs overall.

Maryland Life Insurance Options Explained

Whole of Life Coverage

Whole of Life coverage is designed to cover the individual until they pass away, then the beneficiaries make a claim to receive the benefit.

Term Life Coverage

This covers for a specific period of time, best if you want coverage for a certain period of time to cover loans or bills. If still living once the term runs out, monies paid into the policy will no longer be accessible .

Universal Life Coverage

Universal Life coverage is a kind of whole life insurance that allows cash value, where excess payments can be credited to the cash value of the policy.

Submit a few quick details by using this quote form, so a member of our team can get started on your life insurance quote immediately.

Frequently Asked Questions About Life Insurance in Maryland

How old should you be to buy life insurance?

There is no set age, although the longer you wait the higher your premium will be.

Who should buy life insurance?

If there are family members financially dependent on you, then you should consider carrying life insurance. Having life insurance can make death easier and provide financial support that gives your family financial security after you’re gone.

How is the cost of life insurance in Maryland worked out?

The specific type of insurance, amount of coverage, medical history, and age all play a role in determining your price.

Can you buy a joint life insurance policy with a partner?

You can purchase a joint life insurance policy in Maryland. However, the payout can only be collected for a single death. 

Can you hold multiple life insurance policies at the same time?

Yes, you can purchase multiple life insurance policies, although you cannot carry the same type of coverage through the same insurer. However, if you want to acquire life insurance in another state to cover different terms or you are interested in both term and whole life coverage, you may be able to get this from the same company. Contact us today so we can help you navigate these options.

Contact Us Today for a Maryland Life Insurance Quote

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