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...

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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: Apr 30, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • Baltimore Life offers term, whole, and universal life insurance as well as a few senior life insurance products
  • Baltimore Life has a “B++” (Good) A.M. Best rating
  • Baltimore Life burial and final expense life insurance is as low as $75.15/mo

Getting the life insurance policy that is best for you is a challenge. With so many insurance companies and policies to choose from, it isn’t easy to narrow your options down to the best insurance life companies.

Baltimore Life Insurance offers multiple life insurance coverage options as well as a few senior life insurance policies to customers across the United States.

Before you decide to buy Baltimore Life insurance, shop around. Enter your ZIP code into our free online tool to see affordable life insurance quotes from top companies in your area.

What is Baltimore Life, and what products are offered?

The Baltimore Life Insurance Company is a Maryland-based company selling life insurance to more than 300,000 individuals, families, and businesses all over the United States.

Baltimore Life offers general term, whole, and universal life insurance policies similar to those provided by other companies. Additionally, Baltimore Life promotes various senior life insurance policies, including Silver Guard I and II, whole life insurance for seniors 50 to 80.

Some additional policies offered by Baltimore Life include:

  • Generation Legacy
  • Single-Premium Whole Life Insurance
  • Critical Illness Insurance

Baltimore’s critical illness insurance covers the medical expenses of individuals with life-threatening illnesses, such as cancer, stroke, major organ transplant, kidney failure, and heart attack. Although similar to high-risk life insurance, critical illness insurance is more specific to those whose medical expenses are not covered by a basic life insurance policy.

With such a wide variety of options, affordable Baltimore life insurance is likely available, and you can tailor your life insurance policies to fit your unique situation.

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What are Baltimore Life insurance rates?

A great way to compare your top choices for life insurance companies is to look at their sample rates. It’s always nice to have less expensive rates, but sometimes you have to pay more for better coverage.

Unfortunately, sample term and whole life insurance rates for Baltimore Life are not currently available, but the table below includes sample Baltimore Life burial and final expense life insurance rates.

Baltimore Life Insurance Sample $25,000 Burial and Final Expense Insurance Average Monthly Ratesby Age and Gender
AgeMale Average Monthly RatesFemale Average Monthly Rates
50$75.15$61.65
55$90.90$72.90
60$113.40$88.65
65$142.65$111.15
70$187.65$144.90
75$252.90$194.40
80$360.90$286.65
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When looking at companies’ sample rates, keep in mind that every company is different, and each will underwrite you based on your health history, current habits, age, and more.

The Insurance Information Institute lists taking care of yourself as a factor that can ultimately reduce your life insurance rates. Naturally, keeping yourself healthy reduces your risk to the company.

How does Baltimore Life rate financially?

Outside of comparing Baltimore Life insurance quotes, another crucial aspect to pay attention to is its financial stability. Well-known rating services such as A.M. Best focus on providing the most accurate financial ratings of insurance companies.

Baltimore Life Insurance Company currently has an A.M. Best rating of B++ (Good), meaning it is above average in its financial stability than other companies.

When comparing a life insurance company, it is also beneficial to look at its complaint index to see what real-life customers have to say about the company. A higher complaint index than others may signify an issue within the company.

According to the National Association of Insurance Commissioners (NAIC), Baltimore Life Insurance Company had three overall complaints for the entire year of 2020, and its complaint index is 1.60. The national complaint index is 1.00, so Baltimore Life had more complaints than the national index in 2020.

How do I contact Baltimore Life?

If you need or would like to contact Baltimore Life Insurance Company, you can do so in the following ways:

  • E-mail: [email protected]
  • Phone: 410.581.6600 / 800.628.5433
  • Fax: 866.660.6253
  • Postal mail
  • Social media
  • Company website

Baltimore Life’s mailing address is:

The Baltimore Life Companies
10075 Red Run Boulevard
Owings Mills, MD 21117-4871

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What is Baltimore Life’s history?

Beginning humbly in Baltimore, MD, the Baltimore Life Companies has provided quality life insurance products in the United States for almost 140 years. The company has since grown to cover more than 300,000 individuals, families, and businesses across 49 states as well as the District of Columbia.

Baltimore works explicitly to cover the middle-income portion of the United States financially, a value that is reflected in its life insurance rates.

Baltimore Life: The Bottom Line

Baltimore Life is a good life insurance company with many years behind it. It offers a wide variety of life insurance products as well as good burial and final expense insurance rates.

Although it had a high NAIC complaint index for 2020, it has a good A.M. Best rating, meaning it is financially dependable if you need to file a claim.

We highly recommend looking at other companies and comparing your options before making a decision.

Hopefully, this Baltimore Life insurance review has been helpful to you.  For instant life insurance rates from companies in your area, enter your ZIP code into our free online tool.