NEW - Try our beta Annuity Rates Simulator

Can You Buy an Annuity with Cryptocurrency? 

What Are Digital Annuities?

Annuities for Beginners: What to Ask Your Financial Advisor

Annuitization in Annuities: Turning Your Savings into Lifetime Retirement Income

Annuities vs. Bonds

Common Annuity Pitfalls to Avoid

Annuity Companies to Avoid

Annuity Due vs. Ordinary Annuity

What Happens to an Annuity When You Die? 

Integrating Technology into Retirement Life for Efficiency and Comfort

Do I Need an Annuity If I Already Have a Pension? 

Understanding Market Value Adjustments (MVAs)

The Difference Between an Annuity Statement and Prospectus

How to Read and Understand an Annuity Prospectus

How to Read and Understand an Annuity Statement

Can You Retire Comfortably with Just an Annuity?

2025 Market & Policy Trends (Part 6)

2025 Market & Policy Trends (Part 5)

2025 Market & Policy Trends (Part 4)

American National Palladium 3, 5 MYGA

Fixed Annuity Rates

Discover the Key to a Reliable Retirement with Index Annuity Rates

Immediate Annuities Rates

Variable Annuity Rates

How to Get the Best Annuity Rates: A Comprehensive Guide

Guaranteed vs. Non-Guaranteed Annuity Rates

Annuity Rate Factors: A Comprehensive Guide to Understanding Influential Variables

Guaranteed vs. Non-Guaranteed Annuities- Balancing Security and Potential Returns

Mastering Your Future: How to Calculate Annuity Growth Rate Effectively

A surrender charge is applied if the policyholder withdraws more than the free withdrawal amount or surrenders the annuity before the end of the guarantee period. The charge typically starts higher in the initial years and decreases over time. These charges are intended to offset acquisition costs and encourage long-term investment. The surrender charge may be waived in certain circumstances, such as death of the annuitant or if the contract includes a partial withdrawal charge waiver rider.

Partial Withdrawal Charge Waiver (0.20% rate reduction).

Enhanced Death Benefit (available as optional rider; 0.15% rate reduction).

This annuity policy provides fixed interest accumulation over a set guarantee period, which may be 3, 5, or 7 years. Interest rates are declared at contract issue and are locked in for the duration of the selected term. The policy includes the option to elect additional riders such as an enhanced death benefit or partial withdrawal charge waiver, each resulting in a minor reduction to the credited interest rate. At the end of each term, a minimum renewal interest rate of 3.00% applies.

3.00% is the minimum renewal interest rate for each renewal period, which is established when the contract is issued.

 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.

Baltimore Life iQuMulate