Personal Products

Baltimore Life’s Secure Solutions® Portfolio* features a wide range of insurance and annuity products to address your family’s needs:


Secure Solution Protector® – Level Term Life Insurance

Covers temporary insurance needs at competitive prices – You can choose initial level premium periods of 10, 15, 20 or 30 years. After the initial period the policy can be renewed annually. All death benefits and premiums are fully guaranteed to age 100. [See client brochure for more information: Form 7957]


Home Secure™ – Simplified Issue Level Term Life Insurance

Provides an income tax-free death benefit that can be used to pay off your mortgage balance or other debts if you die. Optional living benefits can provide cash if you become disabled, are diagnosed with a terminal illness or are permanently confined to a nursing home. If you add the optional Return of Premium benefit, you can receive a refund of your premiums paid if you live beyond the coverage period of your policy. [See client brochure for more information: Form 8317]


Secure Solution Advantage® – Whole Life Insurance

Provides lifetime coverage at a level premium that does not increase - This product offers guaranteed cash values that increase each year on a tax-deferred basis. Dividends may also be paid annually. [See client brochure for more information: Form 8009]

 

Silver Guard® I, II and III

Whole life insurance for seniors ages 50-80 for final expense protection - Benefits include guaranteed level premiums, guaranteed cash value accumulation, and an insurance policy that is guaranteed non-cancelable as long as premiums are paid. [See client brochure for more information: Form 7809]

 

Lifetime Navigator® - Universal Life Insurance

Combines the affordability of permanent life insurance, flexible premiums, and a built-in lifetime insurance protection guarantee feature - It is designed especially for individuals wanting long-term protection for their families and businesses at a competitive premium. [See client brochure for more information: Form 8118]

 

Generation Legacy®

A tax-efficient way to leave a legacy behind for those you love - Generation Legacy allows the transfer of funds from non-qualified annuities and other qualified plans, and offers an easy, tax-efficient way to pass a significantly larger gift from these proceeds to your heirs. You can also receive a portion of your death benefit while living in the event of a terminal illness, nursing home confinement, or if you need extended care such as home health care or adult day care. Generation Legacy combines a life insurance policy and annuity contract and is available for individuals ages 60-80. [See client brochure for more information: Form 8252]

 

Secure Solutions® Single Premium Whole Life

Allows the transfer of cash funds such as CDs and Money Market accounts – Secure Solutions SPWL provides an easy way to pass a significantly larger gift from these proceeds to your heirs. You can also receive a portion of your death benefit while living in the event of a terminal illness, nursing home confinement, or if you need extended care such as home health care or adult day care. This life insurance product is available for individuals ages 50-85. [See client brochure for more information: Form 8036]

 

Annuities

Allows individuals to make periodic or single premium payments with tax deferral of interest earnings. Products include flexible premium retirement annuities (FPRA), single premium deferred annuities (SPDA), and single premium immediate annuities (SPIA). [See client brochure for more information: FPRA - Form 7970; SPDA - Form ad8376; SPIA - Form 7971]

 

Critical Illness Insurance

Provides for medical expenses associated with key critical illnesses, including cancer, heart attack, kidney failure, major organ transplant or stroke. Critical illness coverage provides cash that may be used for expenses not usually covered by health insurance, such as home health care, “experimental” treatments, lost income of spouse or caregiver, copays and deductibles. [See client brochure for more information: Form 8178]

 

 

*These product descriptions are not a contract and descriptions of policy provisions are only partial. Policies and riders may not be available in all states. Refer to the individual policies referenced for complete terms and conditions.

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