Baltimore Life Insurance Review [2021]

Baltimore Life Insurance Company is small life insurance provider that provide annuities, health, and life insurance across 49 states and Washington, D.C. Baltimore life insurance rates are private. However, you can get Baltimore life insurance quotes on the company's website. Baltimore Life Insurance Company currently as an A.M. Best rating of B+.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Mar 3, 2021

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Quick Facts

  • Baltimore Life Insurance Company sells term life and permanent life insurance policies
  • Although Baltimore Life insurance rates are not made public, you can get a quote from the Baltimore Life website
  • Baltimore Life has an AM Best rating of B+

Baltimore Life insurance provides a variety of products; however, its best feature is life insurance. So how much does Baltimore Life’s insurance rates cost?

Our Baltimore Life insurance review explains everything you need to know about the Maryland-based life insurance company. In addition to finding how to get Baltimore term life insurance quotes, we’ll show you what policies are available and the company’s third-party ratings.

Comparing life insurance companies is essential to finding reliable coverage, but why stop at Baltimore Life Insurance Company? Use our free comparison tool to compare rates from the best companies in your area.

What does Baltimore Life Insurance Company offer?

Baltimore Life has different types of whole life insurance policies. The company has set unique names for each policy. Therefore, you should review them before you buy Baltimore life insurance.

  • Protector and aPriority™ Level Term Life Insurance
  • Advantage and aPriority™ Whole Life Insurance
  • Silver Guard® 1 and 2 (whole life insurance for seniors)
  • Single Premium Whole Life

The Protector and aPriority™ Level is a term life option that provides term life insurance for up to 30 years. You can even customize your Baltimore term life policy.

The whole life insurance policies have various roles. For example, the single premium whole life insurance allows you to transfer money from CDs and Money Market accounts to your Baltimore whole life policy.

Other Products Available at Baltimore Life

Baltimore Life also has a universal life insurance policy called Lifetime Navigator® and aPriority™ Universal Life Insurance. Universal life insurance is like a whole life policy, but you can use part of your premium to invest in the stock market.

If you’re looking for a health insurance supplement plan, Baltimore Life has critical illness insurance, or you can buy an annuity called Generation Legacy®.

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How much are Baltimore life insurance rates?

We searched for reliable Baltimore Life insurance rates, but we couldn’t locate any. Life insurance rates are based on age, health, and coverage limit (death benefits). Since these monthly premiums are determined by personal information, some life insurance providers prefer not to give a general quoted price.

If you want to learn how to get a Baltimore Life insurance quote, continue reading.

Can you get affordable Baltimore Life insurance quotes?

Yes, you can find Baltimore Life quotes on its website. To get a life insurance quote from Baltimore Life, follow these steps:

  • Step 1 – Visit https://www.baltlife.com/
  • Step 2 – Click the blue-button that says “Get Quote.”
  • Step 3 – Enter your information in the dialog boxes under “Let’s Talk.”
  • Step 4 – Click the submit button.
  • Step 5 – Wait for a Baltimore Life agent to contact you.

When an agent finally contacts you, you should be able to get a reliable life insurance quote.

Don’t wait that long, though. Our free online quote tool can get you life insurance quotes from multiple companies in your local area. Enter your ZIP code to start.

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What are Baltimore Life’s financial strength and credit ratings?

Baltimore Life is a small life insurance provider, and it doesn’t have the financial strength of more prominent companies. According to the latest A.M. Best report, Baltimore Life has an A.M. Best rating of B+. Baltimore Life’s rating has been the same since 2003, which isn’t a good sign.

However, Baltimore Life has managed to maintain an A+ through the Better Business Bureau, even with a low customer review score.

Baltimore Life Insurance Company History

The Owings Mills-based company has been in business since 1882. Five businessmen founded it, but Frank Strobridge was elected president. During that time, the company was worth $260.93

Today, Baltimore Life has managed to maintain its assets up to $1.3 million. Despite the COVID-19 pandemic, Baltimore Life finished 2020 with $51,000 more in total assets.

Currently, Baltimore Life serves 49 states and Washington, D.C. The only state where it doesn’t provide coverage is New York.

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Baltimore Life Insurance: The Bottom Line

Although Baltimore Life provides term life insurance, it has several permanent life insurance policies. There is nearly the same number of annuities, but the strength of Baltimore Life is its life insurance policies.

One drawback is it may take a day or two just to get a quote from Baltimore Life. Some companies can get you a quote on the same day.

Now that you know more about Baltimore Life Insurance, enter your ZIP code in the free comparison tool below to find life insurance quotes in your area.

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