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A surrender charge is applied if the policyholder withdraws more than the free withdrawal amount or surrenders the annuity before the end of the guarantee period. The charge typically starts higher in the initial years and decreases over time. These charges are intended to offset acquisition costs and encourage long-term investment. The surrender charge may be waived in certain circumstances, such as death of the annuitant or if the contract includes a partial withdrawal charge waiver rider.

Partial Withdrawal Charge Waiver (0.20% rate reduction).

Enhanced Death Benefit (available as optional rider; 0.15% rate reduction).

This annuity policy provides fixed interest accumulation over a set guarantee period, which may be 3, 5, or 7 years. Interest rates are declared at contract issue and are locked in for the duration of the selected term. The policy includes the option to elect additional riders such as an enhanced death benefit or partial withdrawal charge waiver, each resulting in a minor reduction to the credited interest rate. At the end of each term, a minimum renewal interest rate of 3.00% applies.

3.00% is the minimum renewal interest rate for each renewal period, which is established when the contract is issued.

 Single Premium Deferred Annuity is a Multi-Year Guaranteed Annuity (MYGA) product issued by The Baltimore Life Insurance Company. It is designed for clients who want a guaranteed fixed interest rate for a specific term in exchange for a single lump-sum premium. The product offers flexibility with optional riders and ensures minimum interest guarantees during the renewal period. This annuity is for long-term savings with tax-deferred growth, ideal for conservative investors seeking predictable returns.

Baltimore Life – IQumulate™ MYGA (3-, 5-, 7-Year Terms)