Career Agency Sales Group
Since 1882, our agents have helped generations of families, seniors, and small business owners determine their insurance needs and find product solutions.
Why Baltimore Life?
We offer a professional culture in both our agencies and home office that fosters your success.
For an agent, perhaps the BEST value proposition in the life insurance industry today:
Multilevel agent support that includes:
- Excellent compensation
- Supportive, positive work environment
- Direct access to underwriters and senior-level management
- Company contributes substantially to help cover the cost of benefits
- Company covers the cost of many agent services, while other companies charge agents for them
- You are an employee, not self employed, so the company pays the employer’s share of Social Security
- Competitive product portfolio
- Comprehensive sales training systems
- Robust sales support and sales systems
- Field managers who act as mentors early in your career
- Marketing and lead generation programs to help you locally brand yourself
- Client Data System: Our 24-hour advanced technology system for reaching and managing clients
- The opportunity to interact with fellow agents for support and assistance
Your career as an agent
As a Baltimore Life agent, you will help new and existing clients determine their ever-changing insurance needs
and find product solutions to meet those needs.
Becoming an agent gives you the opportunity to put your people skills to work by making sure your clients and prospects are protected against the uncertainties of life.
The Life and Health Insurance Foundation for Education (LIFE) often states “Life insurance isn’t for those who die, it’s for those who live.” We help our policyowners take care of
their family’s future should they die prematurely.
Build and keep relationships
We are proud of our 130-year-plus history, and of our reputation with policyowners for many generations. With compassion and support, we help our clients and their families
through difficult decisions and ultimately, the death of a loved one. The ability to earn a living while helping others through difficult times will be the most rewarding aspect of your career.
Markets we serve
Our agents and associates provide financial protection to the middle-income individuals and families in the U.S.
Our Career Agency Sales Group operates 11 agencies in Pennsylvania, Maryland, Ohio, South Carolina and West Virginia serving middle-market consumers in these and surrounding
states. Our market consists of a number of segments – young families just starting out, first-time homeowners, established families planning for retirement, retirees looking to pass assets on to the next
generation, small-business owners offering employee voluntary benefits, and many more.
Our INSpeed® NOW point-of-sale underwriting, MobileLink agent guides, and our online product toolkits are just a few of the tools to help build your business, save time, and increase your productivity.
INSpeed® NOW is our electronic application system that offers both automated and live underwriting. Agents complete applications over the phone with our call center representative and their client or using the eapp on their own device. Signatures are taken using DocuSign and voice-recorded signature options. Currently, we offer this paperless application process for our aPriority® Whole Life, Term, and Universal Life products along with our Silver Guard® product.
Point-of-Sale Underwriting Process
Baltimore Life takes quick response to a new level by providing point-of-sale underwriting decisions for our asset transfer portfolio. After a point-of-sale telephone interview and a prescription drug database check, you will receive a decision for approximately 90 percent of your cases before you hang up the phone.
MobileLink is a mobile web page that provides you with product details, rate and cash value calculations, underwriting guidelines and more, right at your fingertips. MobileLink works on most mobile devices with no installation required. Visit mobile.baltlife.com for rates, underwriting information, and the rate calculator for Silver Guard®.
Product Toolkits on our Secure Agent Website
The product toolkits available on our secure agent website enable you to find everything you need to market and sell a product at a glance, saving you valuable time and making you even more productive.
These toolkits provide a wealth of valuable information for each product, including:
- A printable application package
- A state approval listing
- A forms listing organized by category (Agent Reference, Marketing Materials, Point-of-Sale, Recruiting)
- On-demand training (Product training, webinar registration, concepts by market and/or life stage)
- Product-related news and announcements
- Replacement forms
Impact on our communities
Our agents are committed to having a positive effect in the communities where they live, work, and serve their clients. Every day presents new opportunities to strengthen our
communities while helping clients make some of their most important decisions.
Through programs like our annual Community Grants Program and our ID events (including child ID, medical ID, and SportSmart® ID), our agents take pride in making
their neighborhoods safe, diverse, and enriching places to live.
Community Grants Program
Each year, Baltimore Life awards grants to multiple nonprofit organizations serving Delaware, Maryland, Michigan, New Jersey, Ohio, Pennsylvania, Virginia, West Virginia and the surrounding areas.
Special consideration is given to organizations addressing family, safety and community enhancement issues. In the seven years since the program’s introduction, our Career Agency Sales Group has awarded more
than 600 grants to local charities.
Child fingerprinting and ID events
Child safety is of special importance to Baltimore Life. We offer our child photo identification program in partnership with local schools, child care agencies and businesses. In
2012, we held more than 200 child ID events, with a resulting 5,000 children being fingerprinted.
Training and professional development
We offer excellent tools and technology to provide high quality in-person and online training and development to our agents. It’s common for our agents to enter this career with
no prior special training or experience in financial services. Instead, we invest heavily in training and developing people who have the right mix of people skills and work ethics.
Baltimore Life is strongly committed to developing our career agents. We believe that in order for our business to grow, our people must grow. We accomplish this through our
industry-leading training programs, leadership tools, marketing support and incentives.
The trainer and/or manager uses role-play, observation, video presentation, lectures, and joint field activities to train you. Our interactive training allows you to get real-life
sales experience. The goal is to help you start building your career within two weeks of hire.
Life Underwriter Training Council (LUTC), Chartered Life Underwriter (CLU) studies, and advanced industry courses develop skills necessary to be successful in a sales career.
Compensation and benefits
We are pleased to offer competitive compensation and incentives to our agents, as well as a comprehensive benefits package. Our compensation plan rewards hard work and excellence
with unlimited income potential that grows as your client base grows.
Upon hire, your compensation pool (core) is established. All earnings are credited to your core, including first-year commissions, overrides, bonuses, renewals, and service fees.
The amount of overrides and bonuses depends on your paid first-year commissions.
A weekly payout is drawn from the core. This system enables new agents to stabilize their pay from week to week, and avoid the initial pressures of starting in the insurance
In addition, Baltimore Life provides comprehensive benefit options for you and your family, including health and dental insurance, 401(k) plan, flexible spending accounts, group
life insurance, accidental death and dismemberment plans, and short- and long-term disability leave.
The company pays a large percentage of the cost of employee benefits. The portion of group benefit premiums paid by you are deducted before income taxes are withheld from your pay,
thus reducing your taxable income.
Important information regarding our health plan’s Machine-Readable Files (MRF)
Career Builder new agent weekly training allowance
You will receive a weekly training allowance for up to 18 weeks as long as you have satisfactorily completed all training assignments and activity requirements. During this
period, all commissions, overrides, and other earnings will be credited to your core. Beginning in week 19 and continuing until week 52, you will be paid 10% of your accumulated core balance each week.
That’s a full year of training allowance based on your development and One Card System progression. The amount of your weekly allowance is determined by working with your agency
manager and is based on your work history and previous earnings. The Career Builder contract is designed to assist you as you sharpen your sales skills while building your core.
Bonuses are awarded dependent upon the completion of One Card System progression levels, individual production, and training.
Eligibility to qualify for convention
As a new agent, you are eligible to qualify for attendance at our annual agent convention. We offer prorated qualification based on your date of hire.
Our Career Agency Sales Group operates 11 agencies in Maryland, Michigan, Pennsylvania, South Carolina and West Virginia.
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