Privacy & Legal Notices

Last Updated: June 26, 2023

Introduction

Baltimore Life recognizes that visitors to our website may have concerns about the information they provide to us while on our website and how we treat that information. We are committed to maintaining the highest level of confidentiality with all of the information we receive through our website and have established this Privacy Policy to answer any online privacy concerns you may have.

Scope

This Online Privacy Policy applies to personal information submitted and collected online at baltlife.com and does not necessarily apply to information the Company collects through any other means. The policy also does not apply to websites maintained by other companies to which we link. Baltimore Life is, therefore, not responsible for the content or activities of those websites.

Our website is not directed towards children. We do not knowingly collect any information from children under the age of thirteen.

Collection and Use of Personal Information

We understand the importance of protecting your nonpublic information. You are not required to provide personal information to browse the information found on our website. Personal information is only collected when you voluntarily and knowingly provide it to us, for example when you submit your first and last name, address, email address, telephone number, and policy number in an online request form. Information provided by you through our website is used to fulfill your request, to help maintain the business relationship you have with us, or to encourage such a relationship as well as for legitimate business objectives. We do not sell information about you. We do not share your information with anyone else for their marketing purposes. However, if you were to participate in any giveaway promotion through use of our website, and complete the request form, in doing so you specifically agree to be contacted by us and placed on our mailing list. As such, we may contact you from time to time.

Security Measures to Safeguard Your Personal Information

We have safeguards in place to protect your personal information from unauthorized access and improper use. For example, web forms that enable you to voluntarily submit personal information to request a service such as a financial needs analysis or to be contacted by an agent have encryption to protect the information you provide for your request.

Privacy Notices

We have additional privacy notices that may apply to you as a Baltimore Life consumer or customer. If you are a non-California resident and wish to learn more about our privacy practices, please refer to the Notice of Privacy and Information Practices.

If you are a California resident, please see the California Consumer Privacy Act Notice and the Important Privacy Choice for California Consumers for additional important information regarding your privacy rights.

If you are also an existing Baltimore Life Long-Term Care policyholder, please refer to the Notice of Privacy Practices for Protected Health Information. Privacy inquiries related to Long-Term Care should be directed to MedAmerica, our plan administrator, using the following contact information:

Last Updated: June 26, 2023

Many websites use “cookies” technology. Baltimore Life also utilizes this online tool. Cookies are small electronic files that are placed on your computer or mobile device when you visit a website that helps the website to work more efficiently and to complete requested transactions. This Policy describes how cookies are used to collect certain information from our website visitors.

Our website uses analytical cookies that track how website visitors navigate and interact with our website. These cookies allow us to do such things as recognize and count the number of website visitors and to see how visitors move around our website when they are using it. They collect certain information such as details about your browser, operating system, and device/hardware; which pages you visit on the website; and other logging information such as the date, time, and duration of your use of the website. This information helps us to improve our website so you can more easily find what you need on the website. These cookies do not obtain any personal information about you or provide us with any way to contact you nor do they extract any information from your computer or mobile device used to access our website.

We use Google Analytics to help collect information about your use of our website. This information consists of information that your web browser automatically sends to Google, such as the web address of the page that you visit. Google may also set cookies or read preexisting cookies. Information collected is provided to us in a report about traffic to our website and your visit to our website. We in turn use this data to enhance our website structure and to improve content.

Google may also use data collected in accordance with their Privacy Policy. For more information on how Google uses information from websites that use their services, please visit www.google.com.

Our website may include links to the website of unaffiliate third parties such as social media platforms. Baltimore Life is not responsible for the cookie practices or policies of these unaffiliated parties. Should you choose to access these unaffiliated websites, please review their privacy and cookie policies for more information about their respective practices.

You consent to our use of cookies when you continue visiting and using our website.

Last Updated: June 26, 2023

Legal notices may be updated from time to time. The most current revision date will be shown above. You are encouraged to check this page periodically to review for any updates. If a change materially alters our practices, we will post a notice here and request your consent, if required by law.

These terms of use apply to the baltlife.com website (“webite”). This website is owned and operated by The Baltimore Life Companies. References to “Baltimore Life,” “Company”, “we”, “us” and “our” means The Baltimore Life Companies.

By accessing, using, viewing, browsing the website, or submitting information on the website, you agree to the lawfully binding terms and conditions ascribed to the use of the website. Please read these terms in its entirety.

The website and all of its original content is exclusively owned by The Baltimore Life Companies and, as such, is fully protected by the applicable copyright and other laws associated with ownership of and rights to creative works. Information contained in our Legal Notices may not be reproduced without the express permission of The Baltimore Life Insurance Company. The Company reserves the right to take legal action for violations.

The Company reserves the right to establish parameters for website access, without any advance notice.

Our website contains links to other websites and online resources that are not owned or controlled by Baltimore Life. Such being the case, we have no control over, and are not responsible for, the content or practices of any third-party websites. You are strongly encouraged to read the entire terms and conditions and other legal notices of any website that you visit when following a link that is posted on our website.

We reserve the right to modify our Legal Notices, including these Terms of Use at any time. We do so by posting the changes and updating the “Last Updated” date shown above. Your decision to continue to visit and make use of our website after such changes have been made constitutes your formal acceptance of the modifications. Should you find that you are not in agreement with any of the changes, we ask and advise that you cease accessing or using the baltlife.com website.

If you have any questions about the Terms of Use or any of our other Legal Notices, please refer to our “Contact Us” information provided below under Miscellaneous.

We strive to protect the security and confidentiality of social security numbers that we obtain in the course of business. We limit access to Social Security numbers and maintain strong security controls that help to safeguard Social Security numbers from unlawful disclosure.

We respect your right not to receive unwanted solicitation phone calls and screen all telephone numbers against the National Do Not Call Registry and the applicable state do not call lists prior to placing phone calls. It is our policy:

• Not to make solicitation calls to any person who has informed us that they do not wish to receive such calls; and
• Not to make solicitation calls to any person on the National Do Not Call Registry or any state do not call lists, unless permitted by law.

If you do not wish to receive solicitation calls about a new insurance or annuity product or other offering that we believe may be of interest to you, you must request that your phone number be added to our company do not call list by informing our representative who contacted you or by calling our Policyholder Services Department at 800.628.5433. If you have multiple phone numbers, please be prepared to provide all phone numbers that apply to your request. The Company’s “do not call” list is limited to telephone solicitation calls only. We may still contact you about your Baltimore Life policy, claims, billing issues and other service matters. Request for addition to the do not call list will be honored within a reasonable time, not to exceed 30 days of the request. If your telephone number(s) changes in the future, you must provide us with your new telephone number(s) in order to maintain your “do not call” status.

Insurance agents and agencies conducting telemarketing in reference to a product or marketing initiative of Baltimore Life or its subsidiary are fully responsible for adherence to all federal telemarketing laws, regulations and rules, and all applicable state laws.

Baltimore Life maintains a presence on various social media platforms including Twitter, Instagram, LinkedIn and Facebook. Our Company pages are open to the public and your opinions are welcome. Please note the following guidelines for interacting with our social media pages:

• Social media websites are third-party websites not affiliated with Baltimore Life and are responsible for their own privacy and security policies.
• The Company does not control or endorse any advertising, messages, content or links published by third parties.
• For your protection, please do not post nonpublic personal financial or health information.
• Please show respect for others. Obscene, abusive, threatening, discriminatory, harassing, untruthful or defamatory content will be removed from the Company’s page. The Company reserves the right to make this determination and to block any followers.
• Advertising or solicitation posts may be removed, at the Company’s discretion.
• Posted views and opinions of third parties are not necessarily endorsed by Baltimore Life, unless otherwise noted.

Social media pages are not intended as a solicitation for any jurisdiction where The Baltimore Life Companies is not authorized to transact business.

Company Licensing

The Baltimore Life Companies consists of The Baltimore Life Insurance Company (NAIC Number 61212) and its subsidiary, Baltimore Financial Brokerage, Inc.

The Baltimore Life Insurance Company is domiciled in Maryland and is licensed in the District of Columbia and all states except New York. The Company is governed by the laws of the state of Maryland and is unlicensed outside the United States.

Baltimore Life’s subsidiary, Baltimore Financial Brokerage, Inc., is licensed in the District of Columbia, Delaware, Maryland, New Jersey, Ohio, Pennsylvania, South Carolina, Virginia and West Virginia.

You may reach us by clicking the “Contact Us” button at the top of our website or by using the contact information below:

The Baltimore Life Insurance Company
10075 Red Run Boulevard
Owings Mills, Maryland 21117-4871
Phone: 410-581-6600 / Toll-free 800-628-5433
Fax: 866-660-6253
Email: info@baltlife.com

When emailing us, in addition to verifying that the email address has been entered correctly, use of secure email is recommended when submitting personal nonpublic information or documents containing such information. Secure email has added safeguards such an encryption, to help protect contents from disclosure to anyone other than the intended recipient. If you do not have access to a secure email service, you may wish to use one of our other contact options when submitting nonpublic information.

When faxing, it is suggested to double check the telephone number entered to receive the fax before transmitting your information. This step would help safeguard the fax from being inadvertently sent to an unauthorized party.