Retirement

Retirement Products

Baltimore Life’s annuity portfolio* features a wide range of annuity products to address your retirement needs. These products allow individuals to make periodic or single premium payments with tax deferral of interest earnings.

Flexible Premium Retirement Annuity (FPRA)

Baltimore Life’s FPRA features flexible premium payments, guaranteed income options, and a variety of payout choices. Partial withdrawals of up to 90 percent of your annuity value are available, and you may surrender your annuity for its cash value at any time. Benefits are paid directly to the beneficiary at the death of the annuity owner.

iQumulate™ Single Premium Deferred Annuity (SPDA)

IQumulate™ SPDA is a single premium, tax-deferred annuity product that offers competitive, multi-year guaranteed interest rates. Benefit from a hands-off approach to create another source of income for your retirement years. Choose from a 3, 5, or 7-year contract guaranteed period using qualified or non-qualified funds and enjoy guaranteed supplemental income in retirement. The product offers various payout options and optional riders. Baltimore Life's IQumulate™ SPDA is an effortless way to secure your future. See the client brochure for full details

*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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