IQumulate 5
Multi-Year Guarantee Annuity
The IQumulate 5 is a deferred multi-year guarantee annuity issued by Baltimore Life Insurance Company.
The current 5 year guarantee period annual yield is 5.50% (see Rate Details below). This is the guaranteed annual yield, including bonuses if applicable, for the initial guarantee period term, up to the first penalty free full withdrawal window. The IQumulate 5 has a full penalty free withdrawal window after 5 years.
Details on additional penalty waivers can be found in the Penalty Free Withdrawal Provisions section below.
Baltimore Life Insurance Company is rated “B++” by A.M. Best, was founded in 1882, and has over $1.2 billion in total assets.
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Jan 13th, 2025
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5 years
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| Current | ||
|---|---|---|
| 5 Year Guarantee Period Annual Yield: | 5.50% | |
| Interest rate start of year 1 through end of year 5: | 5.50% | |
Accumulation Value (assuming no withdrawals) |
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5 years
5 years
5 years
State variations may exist, refer to product disclosure for details.
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$5,000
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$5,000
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$1,000,000
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$1,000,000
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90
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90
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45 days
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Yes
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No
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None
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No
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See product brochure, disclosure and riders for additional details, limitations and availability. State variations, age restrictions and holding periods may apply.
Not available in: CA and NY (as of 10/01/2024)
Base contract provides zero liquidity. The following optional riders are available to increase liquidity, but will reduce the annual interest rate credited by percentages shown:
Enhanced Death Benefit – 0.15%
Partial Withdrawal Charges Waiver (RMD Friendly) – 0.20%
Nursing Home Withdrawal Charges Waiver – 0.10%
Terminal Illness Withdrawal Charges Waiver – 0.10%
Description Here
