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Life Insurance

Personal Life Insurance Products

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

Secure Solutions 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.

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.

Secure Solutions 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.

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.

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.

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.

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.

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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