Legal Disclaimer

Last Updated: January 2026

Welcome to mdlifeins.com. This website is owned and operated by Maryland Life Insurance, an independent life insurance agency based in Olney, Maryland. Our phone number is 301-569-2224.

The information on this site is for general educational purposes only. It is not personalized advice, a contract, or a guarantee of coverage, rates, or approval.

1. No Professional Advice

Nothing on this website should be considered financial, insurance, legal, tax, or medical advice. We provide general information about life insurance products (such as term life, whole life, universal life, mortgage protection, final expense, and no-exam options). Every person’s situation is different. Insurance rules, rates, and availability change based on age, health, location, carrier guidelines, and state laws.

For personalized recommendations, quotes, or decisions:

• Contact us directly at 301-569-2224.
• Speak with a licensed insurance professional.
• Review actual policy documents from the insurance carrier before purchasing.

2. Quotes Are Estimates Only

Any quotes, rates, examples, or comparisons shown on this site are illustrative and approximate. They are based on typical market data, sample scenarios, and general assumptions. Actual quotes depend on:

• Full underwriting (health questions, exam if required).
• The insurance carrier’s current underwriting rules.
• Your exact details (age, health history, tobacco use, etc.).
• Maryland state regulations.

Final offers and premiums can be higher, lower, or unavailable. We do not guarantee any rate, approval, or coverage amount.

3. Not a Solicitation or Offer to Sell

This website is for informational purposes. It is not an offer to sell insurance in any state where we are not licensed or where prohibited by law. We are licensed to sell life insurance in Maryland and may be licensed in other states. Licensing information is available upon request. Contact your state insurance department for verification.

4. Third-Party Information and Links

We may link to or reference third-party websites (insurance carriers, rating services, etc.). We do not control, endorse, or guarantee the accuracy, privacy practices, or content of those sites. Use them at your own risk.

5. Accuracy of Information

We work to keep information current and correct. However, errors, omissions, or outdated details can occur. We are not responsible for any reliance on incorrect or incomplete information on this site.

6. No Warranty

This website and its content are provided “as is” without any warranties. We disclaim all warranties – express, implied, or statutory – including but not limited to warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement.

7. Limitation of Liability

To the fullest extent allowed by law, Maryland Life Insurance, its owners, employees, and agents are not liable for any damages arising from:

• Use of or inability to use this website.
• Reliance on any information here.
• Errors, viruses, or interruptions.
• Any direct, indirect, special, incidental, or consequential damages (including lost profits, data, or opportunities).

This applies even if we were advised of the possibility of such damages.

8. Governing Law

These disclaimers are governed by the laws of the State of Maryland. Any disputes related to this website will be resolved in Maryland courts.

9. Changes to This Disclaimer

We may update this page at any time. Check back for the latest version. Continued use of the site after changes means you accept them.

10. Contact Us

Questions about this disclaimer? Call 301-569-2224 Use our contact form Or write to us at our Olney, Maryland address (available upon request for compliance).

We are committed to honesty, transparency, and helping Maryland families protect what matters most. Thank you for visiting. We appreciate your trust and look forward to assisting you.