Life Insurance
Term, whole and universal life (including IUL), plus living-benefit riders that can help while you are still here.
- Term life
- Whole life
- Universal life & IUL
- Living benefits
Annuity Life Group · Independent agents in Maryland
Protect your family. Secure your retirement.
At Annuity Life Group, licensed agents compare annuities and life insurance from multiple A+ rated carriers and explain every option in plain English, with no fees to you.
Prefer to talk now? Call 443-333-9490
- Combined experience
- 17+ years
- Fees charged to you
- $0
- Licensed in, plus DC
- 9 states
- Rated carriers we compare
- A+
What we do
Coverage for every stage of life
From protecting a young family to turning savings into retirement income, we help you see your options side by side.
Annuities
Income annuities, multi-year guaranteed annuities (MYGAs) and fixed indexed annuities for retirement savings and income.
- Income annuities
- MYGAs
- Fixed indexed annuities
Long-Term Care & Disability
Protect your savings and paycheck from extended care costs or an illness or injury that keeps you from working.
- Long-term care insurance
- Hybrid life/LTC
- Disability income
Business & Group Coverage
Group benefits for your team and insurance-funded exit strategies such as buy-sell and key-person coverage.
- Group coverage
- Buy-sell funding
- Key-person coverage
- Exit strategies
How it works
Three simple steps, no pressure
Step 1: Tell us what matters
A short call or form about your family, income, savings and goals. No cost and no obligation.
Step 2: We compare the market
As independent agents we shop multiple insurance carriers and narrow it to the options that actually fit.
Step 3: You decide, we stay with you
We explain the trade-offs in plain English, help with the application, and review your coverage as life changes.
Why Annuity Life Group
Working for you, not for one insurance company
Founded in 2024 by a partnership of agents, Annuity Life Group was built to give families straight answers and real choices. We meet virtually, by phone or video, so getting help fits around your day.
Our storyIndependent
We hold broker contracts with multiple A+ rated carriers, so we can compare options rather than sell a single company’s products.
No fees to you
We are paid by the insurance company you choose. Consultations, quotes and reviews cost you nothing.
Plain English
Surrender periods, caps, riders and exclusions explained clearly, in writing, before you sign anything.
Here for the long run
We review your coverage as your family, health and goals change, and help with claims when the time comes.
Client stories
What our clients say
Thank you for sticking with me the last year and getting me through the annuities which I embarked on due to your mass of information. You made it very easy for me to understand and again - Thank you. It still amazes me that you answer every phone call even when you at the zoo with your kids - Really appreciated all that.
Frank P.Annuity client Matt was extremely helpful in guiding my husband and me through the process of obtaining life insurance coverage. They took the time to answer all of our questions and clearly explained how the different plans work. They also provided multiple reasonable options that fit our needs. We’re very satisfied with the experience and would highly recommend them.
Jessica O.Life insurance client I had a great experience working with this team. They were very thorough and took the time to explain all my options clearly, helping me understand what would work best for my family. They always responded promptly to my questions and made the whole process of buying life insurance for my kids smooth and easy. I really appreciate their professionalism and attention to detail—highly recommend!
Maziar M.Life insurance client
Testimonials reflect individual experiences, may not be representative of other clients’ experiences and are no guarantee of future results.
How much does it cost to work with Annuity Life Group?
Nothing. We charge you no fees for consultations, quotes or ongoing service. As licensed agents we are paid a commission by the insurance company whose policy you choose, and that commission is already built into the product’s pricing. Your premium is the same whether you buy through us or another agent.
What does “independent agency” mean?
We are not employed by a single insurance company. We hold broker contracts with several A+ rated insurance carriers, so we can compare options from more than one company and recommend the one that fits your situation, rather than the only one we are allowed to sell.
Do we need to meet in person?
No. We are a virtual agency, so consultations and reviews happen by phone or video. That makes it easy to fit a meeting into your day, wherever you are in the states where we are licensed.
How quickly can I be approved for life insurance?
It depends on the product and your health. Some carriers offer no-medical-exam policies with decisions in as little as 48 hours for qualifying applicants. Other policies, larger amounts or more complex health histories can take several weeks while the insurer reviews medical records or an exam.
Can I lose money in a fixed annuity?
Fixed and fixed indexed annuities are not invested directly in the stock market, so your principal is protected from market losses when the contract is held to the end of its term. However, surrender charges, market value adjustments and withdrawals taken early, beyond any free-withdrawal amount, can reduce what you receive. Optional rider fees can also reduce contract value. Guarantees depend on the claims-paying ability of the issuing insurer.
Let’s make sure your plan holds up.
A free, no-pressure conversation with a licensed agent. We compare options from multiple carriers and explain them in plain English, at no fee to you.