Secure Your Retirement with IQumulate®
A Simple, Hands-Off Way to Grow Your Money
Are you worried about rising costs and uncertain retirement income? Baltimore Life’s IQumulate® Single Premium Deferred Annuity (SPDA) offers a reliable, tax-deferred solution to help you build supplemental income—without the stress of market fluctuations.
What You Get
A guaranteed supplemental income that includes steady payouts to help cover your retirement needs.
Flexible Payout Options
Choose from:
- Fixed period payment
- Life income payment
- Life income with guaranteed period
- Joint and survivor life income
Low Entry Point
Start with a single premium as low as $5,000 of qualified or non-qualified funds.
Guaranteed Interest Rate
Lock in your rate for 3, 5, or 7 years, allowing you to grow tax-deferred accumulations. Upon renewal, you can choose to keep the same period or change to a new one.
Built-In Protection with Optional Riders
- Partial Withdrawal Charges Waiver Rider
- Allows multiple penalty-free withdrawals up to 10% annually after the first contract year
- Nursing Home Withdrawal Charges Waiver Rider
- No withdrawal charges if confined to a qualified facility for 90+ days
- Terminal Illness Waiver Rider
- Charges waived if diagnosed with a terminal illness (12-month prognosis)
- Enhanced Death Benefit Rider
- Withdrawal and market value adjustment charges waived upon death before maturity
Trusted for Generations
Backed by Baltimore Life—serving Americans since 1882, licensed in 49 states + DC, and insuring over 300,000 individuals, families, and businesses.
Rated B++ by A.M. Best, we’re here to help you retire with confidence.
Ready to Take the Next Step?
Complete the request form above to learn more and set up your plan today.
Quoted interest rates are subject to change without notice. Please contact our Annuity Services Support Center at (877) 533-2468 to confirm the current interest rate. Product and/or riders may not be available in all states. Please refer to the Single Premium Deferred Annuity contract form number ICC24-9107 or state variation for all terms and conditions. Annuities are not FDIC insured. This website content is not a contract, and descriptions of contract provisions are only partial. Please see the contract and riders for details. Use with the Baltimore Life Insurance Company contract form number ICC24-9107 or state variation. Product and/or riders are not available in all states and may result in a lower credited interest rate. Our agents do not provide tax advice, please consult with your tax advisor about this product and your personal situation. IQumulate
® Single Premium Deferred Annuity is issued by the Baltimore Life Insurance Company in Owings Mills, Maryland.
