Personal Life Insurance Products
Baltimore Life’s product portfolio* features a wide range of insurance products to address your family’s needs:
Protector and aPriority™ Level Term Life Insurance
Affordable term life insurance for temporary needs offering life insurance for a specified period to cover specific needs. Products offer guaranteed level death benefit, guaranteed premiums during initial coverage period, an option to convert to permanent life insurance, and a choice of coverage periods – 10, 15, 20 or 30 years. You can enhance your coverage with optional riders. See client brochures Form 8870 and Form 8778 for more information.
Advantage and aPriority™ Whole Life Insurance
Provides lifetime coverage at a level premium that does not increase as long as premiums are paid as planned. Products offer guaranteed cash values that increase each year on a tax-deferred basis. Dividends may also be paid annually. See client brochures Form 8868 and Form 8786 for more information.
Silver Guard® I and II
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.
Lifetime Navigator® and aPriority™ 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 brochures Form 8836 and Form 8794 for more information.
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.
Single Premium Whole Life
Allows the transfer of cash funds such as CDs and Money Market accounts – 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.
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.
*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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