Baltimore's Inner Harbor and downtown skyline reflected in the water at dusk

Areas we serve

Based in Baltimore County, helping families across Maryland

Aries Surety LLC is based in Rosedale, in eastern Baltimore County. Because most of the work happens by phone and video, where you live in Maryland does not limit who you can work with.

Close to home

Neighbors in eastern Baltimore County

If you live near our base, you are in the part of the state we know best. Families in these nearby communities can meet with us by phone or video, or ask about sitting down in person:

Rosedale
Parkville
Overlea
Fullerton
Nottingham
Perry Hall
White Marsh
Kingsville
Middle River
Essex
Dundalk
Towson
Carney
Baltimore City

Anywhere in Maryland

Three easy ways to meet

By phoneMost quotes, and many applications, can be handled in a call or two, at a time that suits you.

By videoShare a screen and walk through a quote or an IUL illustration together, line by line, from your own kitchen table.

In personPrefer to sit down face to face? Ask about meeting near you in the Baltimore area.

Families in Anne Arundel, Carroll, Cecil, Howard and Montgomery counties, Baltimore City and the rest of the state work with us exactly the same way.

The Chesapeake Bay Bridge stretching across the bay under a clear blue sky

Maryland-specific

Three things every Maryland family should know about life insurance

Maryland taxes estates and inheritances

Maryland is the only state with both an estate tax and an inheritance tax. The state estate tax applies to estates over $5 million, a threshold that has not changed since 2019, and life insurance you own counts toward that total. For larger estates, who owns the policy is worth planning.

Name a person, not your estate

Maryland’s inheritance tax does not apply to life insurance paid to a named beneficiary. Proceeds payable to your estate lose that treatment and can also be tied up in probate. Naming people, plus a backup, keeps the money moving to your family.

Beneficiary forms beat wills

A life insurance payout generally goes to whoever is named on the policy, whatever your will says. After a marriage, divorce, birth or death in the family, check the beneficiary on every policy you own, including coverage through work.

Sources: Maryland Register of Wills and Md. Code, Tax-General §7-203, checked September 2026. General information only, not tax or legal advice.

Wherever you are in Maryland

Start with a free quote

Tell us where you are and what you would like to protect. We will set up a call or a video meeting at a time that works for you and bring real prices to it.

Get my free quote