Flexibility and strength, powered by great rates.

IQumulate^®—A MYGA that’s easy to position and built to perform.

Looking to grow your product portfolio with a reliable annuity solution? Our IQumulate^® could be the perfect addition. This single premium, tax-deferred annuity offers competitive multi-year guaranteed interest rates—ideal for clients seeking steady growth and supplemental retirement income.

Backed by more than 140 years of experience and stability, our product is as solid as it is simple. And when you partner with us, you’ll experience what sets us apart from others: white glove service, quick enrollments with a paperless application process, and responsive support every step of the way. Did we mention the strength of our IQumulate^® interest rates? Watch them flex on Annuity Rate Watch!

Get to Know the Product

Explore the product details below to see why agents are excited about offering our annuity. We're confident you’ll find it a smart addition to your portfolio.

If you’re already appointed with Baltimore Life, reach out to your upline for next steps. Otherwise, don’t wait, complete the form now and we’ll connect with you to get your contracting started. The sooner you act, the sooner you can start offering a product that delivers real value.

Product Highlights

• Issue Ages: 18–90 (age last birthday)
• Single Premium: $5,000 minimum | $1,000,000 maximum
• Guaranteed Period Options: 3, 5, or 7 years
• Annuitization: Available any time after first policy year, up to the Contract Maturity Date
• Contract Renewal Options
  — Auto-renew for the same guarantee period with no changes
  — Change the Contract Guaranteed Period, remove a rider, and/or request a partial withdrawal
  — Request a full withdrawal
• Riders
  — Nursing Home Withdrawal Charges Waiver
  — Terminal Illness Waiver
  — Partial Withdrawal Charges Waiver^*
  — Enhanced Death Benefit^*

Agent Resources

   

Built on trust. Focused on You!

• Strength since 1882. Backed by a company with more than a century of proven stability, service excellence, and commitment to doing what's right.
• Mutual by design. Owned by our policyholders—not shareholders—so our goals stay aligned with you and your clients'.
• Nationwide presence. Headquartered in Maryland and serving clients across 49 states and D.C.
• Personal, local feel service. Wherever you are, you can count on responsive support that treats you like a trusted partner.
• Driven to support your growth Competitive agent compensation designed to help you meet—and exceed—your sales goals.
• Modern, streamlined technology. Submit applications electronically and access powerful tools through our agent portal.
• Dedicated Annuity Services team. Knowledegable specialists are ready to assist you and your clients every step of the way.