Simulation & Edit Mode
Active Product: Baltimore Life – IQumulate™ MYGA
Baltimore Life – IQumulate™ MYGA
About this product
The Baltimore Life IQumulate™ MYGA is a single-premium Multi-Year Guaranteed Annuity (MYGA) issued by The Baltimore Life Insurance Company, offering fixed, tax-deferred interest growth and full principal protection across 3-, 5-, and 7-year guarantee periods. It provides predictable accumulation through competitively declared rates and a straightforward structure designed for conservative savers seeking secure and stable growth. Interest is locked in for the entire guarantee period, while optional riders allow flexibility for penalty-free liquidity in specific situations. This product supports long-term financial stability with guaranteed rates, optional withdrawal waivers, and a streamlined accumulation-focused contract.
Important Disclaimer
The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.
Available Rates
| 3 Years | 5.40% |
| 5 Years | 5.80% |
| 7 Years | 5.85% |
Available Guarantee Periods
Rates based on investment amount $100,000.00
| $5,000.00 - $1,000,000.00 | 5.40% |
Features
| Maximum Issue Age | 85 years |
Growth Projection
How your money grows
Based on your issue age (55) and target payout age (62), the following guarantee period will be applied:
| Guarantee Period | 7 years |
| Rate | 5.85% |
| Age | 55 - 62 |
Summary
| Total years to payout | 30 |
| Total guarantee periods applied | 5 |
Lifetime Income Details
Payout Options
Additional Options
Actual payout options may vary by insurance carrier and specific products. Common alternatives include:
Life Income Only
Payments for the rest of your life, stopping upon death
Period Certain
Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain
Lifetime payments with a minimum guaranteed period
Joint Life
Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal
Regular withdrawals of a specified amount or percentage