Baltimore Life Insurance Review (2024)

Baltimore Life Insurance Company is a life insurance company that provides annuities, health, and life insurance in Washington, D.C., and 49 states. Baltimore Life insurance rates are private. However, you can get Baltimore Life insurance quotes on the company's website. Baltimore Life has a B+ rating with A.M. Best rating.

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Oct 3, 2023

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Company Details
Address: 10075 Red Run Blvd
City: Owings Mills
State: MD
ZIP Code: 21117
Phone Number: 410-581-6600
Year Founded: 1879
AM Best Rating: B+
URL where was collected the AM Best Rating:
Lines of Insurance: Life, Retirement, and Health
States Licensed To Sell Insurance In: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
Type of Insurance Company: Misc
Top executive Contact: David K. Ficca
Title of Top executive: President & CEO
Assets & Premiums:

$1.29 Billion in Total Assets / $91.9 Million in Direct Premiums & Deposit-Type Contracts

Insurance subsidiaries:
  1. Baltimore Financial Brokerage Inc
Company Rating 0 (0 reviews)

The Baltimore Life Insurance Company has several products, but its best product is life insurance. Baltimore Life isn’t as big as other national companies; however, it has over $1.2 billion in assets.

So how much does Baltimore Life’s insurance rates cost?

Read through this guide and explore Baltimore Life’s products, life insurance rates, third-party ratings, and other information you’ll need to know about the Owings Mills-based company.

Why stop at Baltimore Life Insurance Company? Enter your ZIP code above to compare multiple companies in your local area.

What products 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.

  • Advantage and aPriority™ Whole Life Insurance
  • Protector and aPriority™ Level Term Life Insurance
  • Silver Guard® 1 and 2
  • Single-Premium Whole Life

The Advantage and Protector and aPriority™ Level are term life options that provide a term life insurance policy for up to 30 years. Policyholders can customize their policies based on their needs with available riders.

The permanent life insurance policies have different roles. For example, the Silver Guard® insurance programs are targeted toward senior policyholders.

Explore your state’s estate planning laws to ensure your beneficiaries get what they need in a timely manner.

Meanwhile, the single-premium whole life insurance policy allows you to transfer money from CDs and Money Market accounts to your Baltimore whole life policy.

What other products are available at Baltimore Life Company?

Baltimore Life 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 a portion of your premium to invest in stocks.

In addition to universal life insurance, Baltimore Life has health insurance supplement opportunities. If you’re looking for a health insurance supplement plan, Baltimore Life has critical illness insurance.

Or you can buy annuities called Generation Legacy®, which has a type of health insurance supplement built into its policy.

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How much are Baltimore life insurance rates?

Baltimore Life insurance rates are private. Therefore, you won’t get any reliable insurance rates across the web.

The best way to find Baltimore life insurance costs is to visit the Baltimore Life website. Insurance rates are based on age, health, and coverage amount (also known as death benefits).

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

How can I get affordable Baltimore Life insurance quotes?

Although Baltimore Life has private rates throughout the internet, you can buy Baltimore Life insurance quotes on its website. New Link Destination
get a life insurance quote from Baltimore Life, follow these steps:

  • Step 1 – Visit
  • 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 – A Baltimore Life agent will contact you later

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

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

According to A.M. Best, Baltimore Life has a B+. Baltimore Life’s rating has been the same since 2003. B+ is a good rating, but several years with no improving score is a bad sign of financial stability.

However, Baltimore Life has an A+ through the Better Business Bureau (BBB). Baltimore Life’s customer review score is lower than average.

What’s Baltimore Life Insurance Company’s history?

Baltimore Life Insurance Company has been in business since 1882. Five businessmen founded the Owings Mill-based company. Out of the five men, Frank Strobridge was elected president.

When Baltimore Life first started, it was worth around $260.

In recent years, Baltimore Life has maintained $1.29 billion in assets. You can buy Baltimore Life insurance in 49 states and Washington D.C. New York is the only state where you can’t buy Baltimore Life insurance.

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Seamless Claims Process With Baltimore Life Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Baltimore Life Insurance Company offers a variety of options for policyholders to file claims conveniently. Policyholders can choose between multiple channels to initiate their claims, making it more accessible and efficient for them.

Baltimore Life allows claims to be filed through their official website, over the phone, or even via mobile apps. This flexibility in the claims process ensures that policyholders can select the method that best suits their preferences and needs.

Average Claim Processing Time

The efficiency of the claims processing is a crucial aspect of any insurance company. Baltimore Life Insurance Company strives to provide timely and efficient claim processing for its policyholders.

While specific processing times may vary depending on the nature and complexity of the claim, Baltimore Life is committed to handling claims as quickly as possible to ensure policyholders receive the support they need during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is essential in evaluating an insurance company’s performance in handling claims. Baltimore Life Insurance Company values customer satisfaction and strives to provide fair and prompt claim resolutions and payouts. Gathering and considering customer feedback allows the company to continuously improve its claims process and ensure that policyholders are satisfied with the outcomes of their claims.

Exploring Baltimore Life Insurance Cutting-Edge Digital and Technological Features

Mobile App Features and Functionality

Baltimore Life Insurance Company offers a mobile app designed to enhance the overall customer experience. The app provides policyholders with convenient access to their insurance information, including policy details, payment options, and claims status. Additionally, it may offer features such as bill payment, policy updates, and the ability to request quotes or file claims directly from their mobile devices.

Online Account Management Capabilities

Policyholders can manage their Baltimore Life insurance policies efficiently through the company’s online platform. The online account management system allows customers to view and update policy information, make premium payments, and access important documents.

This digital convenience ensures that policyholders have easy access to their insurance details and can make necessary changes or payments at their convenience.

Digital Tools and Resources

To empower policyholders and provide valuable information, Baltimore Life offers a range of digital tools and resources. These resources may include educational materials, calculators to estimate coverage needs, and guides on various insurance topics. The company’s commitment to providing digital resources aims to assist policyholders in making informed decisions about their insurance coverage and financial planning.

Baltimore Life Insurance: The Bottom Line

Baltimore Life has term life insurance and permanent life insurance policies. Before you buy Baltimore Life insurance products, compare Baltimore Life with other companies to make sure you’re getting the right life insurance policy.

One of the few disadvantages Baltimore Life has is its quote process. Most of the company’s competitors can provide a quote on the same day, and you won’t have to wait for an agent to contact you to start a policy.

Find reliable insurance companies outside of Baltimore Life by using our free online quote tool below.

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