Baltimore Life iQuMulate
About this product
The IQumulate™ 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.
Available Rates
Rates are based on current simulation settings with premium amount $100,000.00
| 3 Years | 5.40% |
| 5 Years | 5.75% |
| 7 Years | 5.75% |
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