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Baltimore Life Insurance Company Reviews

Baltimore Life whole life Insurance

The following Baltimore Life Insurance Company review was written with one primary purpose in mind—to help our clients find the best life insurance company, based on each client’s unique health and lifestyle. Is Baltimore Life the best choice for you?

Review of Baltimore Life Insurance Company

If you are looking for Baltimore Life Insurance Company Reviews, you are in the right place! Baltimore Life is a top rated life insurance company and currently in our top ten best final expense insurance companies list and an honorable mention for our Senior Life Insurance Companies list.

Baltimore Life Insurance Company Reviews

About Baltimore Life

Baltimore Life was established in 1882 under the name The Baltimore Mutual Aid Society of Baltimore City. The Company’s products are available in 49 states and the District of Colombia.

Baltimore Life Insurance Company’s Ratings

Any good review of Baltimore Life Insurance Company will need to address the company’s strong rating. A.M. Best, the flagship rating agency, gives Baltimore Life a B++, good rating.

Pros of Baltimore Life

In the following section of this Baltimore Life Insurance Company review we will cover the pros to choosing Baltimore Life as your life insurance provider.

Products Offered by Baltimore Life Insurance Company

Baltimore Life offers many different types of life insurance. However, this review of Baltimore Life will focus on the Company’s final expense insurance.

Silver Guard Simplified Issue Senior Life Insurance
  • Silver Guard I: Guaranteed Level Death Benefit
    • Life Pay: Level premium payments over the life of the policy
    • Builds Cash Value
    • 10 Pay: 10 year payment plan—policy is guaranteed paid up for life after the ten years
  • Silver Guard II & Silver Guard III: Guaranteed Graded Death Benefit
    • Graded death benefit
    • 100% if death is due to accident from day 1
    • 25% of policy face amount if death in year 1 of coverage
    • 50% of policy face amount if death in year 2 of coverage
    • 100% in year three and on
    • Level Premium
    • Cash Value accumulation

Sample Baltimore Life Insurance Silver Guard II Quotes

Gender $5,000 $7,000 $10,000 $12,000 $15,000
Male 55 yo 29.25 38.79 45.45 53.46 76.95
Female 55 yo 25.43 33.34 53.10 62.64 65.47

Secure Solutions Protector

Level term life insurance available in 10, 15, 20 or 30 year terms.

Home Secure

Simplified issue term life insurance. Additional return of premium life insurance benefit available.

Compare Exam & No Exam Life Insurance Quotes

Secure Solutions Advantage

Dividend paying whole life insurance. Guaranteed death benefit protection with guaranteed cash value growth and guaranteed level premiums. Life insurance loans available upon request. Dividends can be used for paid up additional life insurance, to repay policy loans, for cash out, leaving with the company and earning interest, or to pay premiums.

Guaranteed insurability option (GIO): an excellent rider to consider when getting life insurance for children or young adults. Provides the option of adding additional coverage without proof of insurability upon specific birthdays or special occasions.

Waiver of premium for disability: waiver of premium riders allow the policy to stay in force without paying premiums if you become disabled.

Accelerated death benefit: the accelerated death benefit rider allows a portion of the death benefit to be accessed while you are still alive if you are diagnosed terminally ill or confined to a nursing facility.

Lifetime Navigator

Competitively priced universal life insurance that offers flexible premium payments and death benefit protection.

Secure Solutions Single Premium Whole Life

This single premium whole life insurance policy provides lifetime protection in one lump sum payment. Your policy’s cash value can also be used while living in the event of a terminal illness, nursing home confinement, or if you need extended care such as home health care or adult day care.

Cons of Baltimore Life

In this section of our Baltimore Life Insurance Company review we will cover the cons to choosing Baltimore Life as your life insurance provider.

Baltimore Life is but One of Many

As with any carrier, Baltimore Life simply cannot meet the need of every client. When you apply for life insurance with Baltimore Life Insurance Company, you are choosing to go with one company. However, each consumer looking for life insurance is better served by choosing among the bet options available and not focusing on only one company. That is where we come in.


We at TermLife2Go have a recommendation for anyone considering a life insurance policy from Baltimore Life. Give us a call and allow us to spend some time with you to help determine if Baltimore Life is the best company with the best price for your specific life insurance needs. If the Company happens to be the best fit for you then great.

However, with dozens of top rated life insurance companies to choose from, you might save thousands of dollars over the term of your insurance policy by going with another life insurance provider.


We do not favor one life insurance company over another. Instead, we find out what you need and then we recommend the lowest priced, best life insurance company to meet your specific need. Therefore, if price matters to you, give us a chance to earn your business. We are here to serve you!

So, what are you waiting for?  Give us a call today to see what we can do for you!

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