Flexibility and strength, powered by great rates.

A MYGA that’s easy to position and built to perform.

Looking to grow your product portfolio with a reliable annuity solution? Our IQumulateTM 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 IQumulateTM 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: Minimum $5,000 | Maximum: $1,000,000
  • Guaranteed Period: 3, 5, or 7 years
  • Annuitization: Any time after first policy year and no later than the Contract Maturity Date
  • Contract Renewal Options
    — Auto renew with same guarantee period with no changes
    — Switch to a different 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*

Latest Updates

  • May 1, 2025: Clients can enjoy multiple penalty-free withdrawals up to 10% at any time after the first year for IQumulate™ contracts issued with the Partial Withdrawal Rider.

Agent Resources

IQ Agent Guide     IQ Client Brochure     Product Interest Rates

   

IQ Product Snapshot     IQ State Approval Chart     Our Story, Baltimore Life    

* Election of any of these optional riders may reduce the interest rate. See the contract for details. Additional premium is not permitted after issuance.
Agent Chatter

"The IQ e-app is probably the most user-friendly annuity e-app in the industry. From start to finish, including suitability questionnaire, the whole process took a little over 30 minutes to complete. By the time the e-app was submitted and the funds got to home office, my policy was issued in 7 days. Baltimore Lifes back-office communication was better than anyone I've worked with in 16 years in the business."

C. S., MDRT, Baltimore Life Agent