# Insurance (GIN)

## Title 16. Life Insurance and Annuities

### Subtitle 4. Annuity and Pure Endowment Contract Provisions

#### Section 16-409

An annuity contract may include a rider or supplemental contract provision that offers a contract holder reimbursement or payment for long-term home health care or long-term care in a nursing home or other related institution:

(1) instead of or in addition to the annuity benefits payable under the contract; or

(2) instead of all or part of the cash surrender or other nonforfeiture value of the contract.

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Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)