Maryland Residents • Ages 55–80
Final Expense Coverage for Maryland Residents
Explore affordable life insurance options designed to help protect your family from funeral costs and other final expenses.
Planning ahead can give your family something money alone cannot provide: clarity. Get straightforward information from a licensed Maryland insurance professional and decide what makes sense for you.
Request Your Options
By submitting, you agree to be contacted about insurance products. Eligibility, benefits and premiums vary by applicant and carrier.
Maryland Focused
Serving local adults and families
Personal Guidance
A real conversation, not just a call center
Education First
Understand the decisions before you make them
Protect what matters
Planning today can make tomorrow easier for your family.
Final expense coverage can help provide funds your beneficiary may use for funeral costs, burial or cremation, medical bills, household obligations, or other needs.
Understand Your Choices
Learn what final expense insurance is, how the benefit works, and what questions to ask before applying.
Plan for Real Costs
Funeral costs can extend beyond the funeral home to cemetery fees, transportation, obituaries, gatherings, and other expenses.
Protect Your Family
Make your wishes known and give the people you love a clearer path when they are already dealing with loss.
Complimentary planning resource
The Family Funeral & Final Arrangements Planning Guide
A practical Maryland Final Expense resource for organizing your wishes, understanding funeral costs, and preparing your family.
Prepared by Rose Randolph
More than a brochure
Know what your family may face before they have to face it.
This guide was created to give families useful information—not just sell a policy.
- Funeral-cost categories and hidden add-ons to consider
- Burial, cremation and memorial-service choices
- Your consumer rights under the FTC Funeral Rule
- The Social Security $255 qualifying lump-sum death payment
- An important-documents checklist
- A final-arrangements worksheet and family funding snapshot
- Questions to ask before buying final expense coverage
In Loving Memory
Ernest D. Randolph
Insurance Professional
Husband • Partner • Legacy
Why this work is personal
In Honor of
Ernest D. Randolph
“Preparation is one more way we can love the people we leave behind.”
Ernest Randolph’s connection to the insurance profession and his life of service are part of the heart behind Maryland Final Expense. After losing her husband, Rose experienced firsthand the decisions, paperwork, financial questions and emotional weight that can follow a death.
This work honors Ernest by helping other Maryland families prepare with greater clarity. The goal is not fear. It is protection, dignity, and one less burden for the people you love.
A local resource
Meet Rose Randolph
I believe insurance conversations should be clear, respectful and personal. I help Maryland adults and families understand final expense coverage so they can make informed decisions based on their needs and budget.
You won’t be treated like a number or pushed through an anonymous process. We can talk through what you want to accomplish, what you already have in place, and what options may be available.
Rose Randolph
Licensed Life Insurance Professional
Simple process
Start with a conversation, not a commitment.
1. Planning For Yourself
For adults who want to prepare ahead understand their Final Expense options, and help protect their family from unexpected funeral and burial costs.
2. Helping a Parent or Loved One
For adult children and family members who have questions about a parent's coverage, funeral planning, or how to prepare before the responsibility falls on the family.
3. Planning as a Family
For families who want to start the conversation together, understand what's already in place, identify possible gaps, and make informed decisions before they're faced with a crisis.
For the people you love
Give your family a plan—not a question mark.
Explore final expense insurance options for Maryland adults ages 55–80.