News Releases

Baltimore Life Enhances Silver Guard Program

For Immediate Release

OWINGS MILLS, MD, JUNE 15, 2005— The Baltimore Life Insurance Company has implemented an enhanced version of its Silver Guard final expense program. The highlights of the enhancements include lower premium rates at many ages.

In addition to product improvements, the company has enhanced INSpeed®, its cutting edge electronic application and underwriting system. The INSpeed® changes will help both the agent and the applicant by accelerating the process and increasing the approval rate.

"The Silver Guard and INSpeed® enhancements make an outstanding package even better," said L. John Pearson, Baltimore Life's Chairman, President, and CEO. "These changes underline our commitment to the Final Expense market. Final Expense is a major part of the company's focus, and will play a significant role in our future."

About Baltimore Life

Established in 1882, The Baltimore Life Insurance Company has served six generations of policyholders. Emphasizing building and preserving high quality assets has enabled Baltimore Life to uphold its commitments through the years.

Baltimore Life is licensed in 49 states and the District of Columbia.

For additional information, please visit www.baltlife.com or call 1.800.628.5433.

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