Baltimore Life – IQumulate™ MYGA (3-, 5-, 7-Year Terms)
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.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
| 3 Years | 5.40% |
| 5 Years | 5.80% |
| 7 Years | 5.85% |
Available Guarantee Periods
Rates are based on current simulation settings with premium amount $100,000.00
| $5,000.00 - $1,000,000.00 | 5.4% |
| Features | |
| Maximum Issue Age | 85 years |
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