Peace of mind for you and for your family, when it’s needed most
Regardless of the type of funeral one thing is certain, when a family member dies, the survivors suddenly find themselves confronted with major expenses. Besides needing money for funeral and burial costs, you may need money for:
- outstanding medical expenses not covered by insurance or government programs; or
- legal expenses related to estate settlement
Many families have gone into heavy debt to make these payments. But there’s a simple way to help your family avoid these problems — Silver Guard life insurance from The Baltimore Life Insurance Company.
Guarantees for your peace of mind
Silver Guard is a whole life insurance policy designed to give you and your loved ones the following important guarantees:
- Guaranteed Level Premiums Your premiums are fixed from the date of issue and will never increase for the life of your policy.
- Guaranteed Cash Value Accumulation Over time, cash values may be available to help you if you have a financial emergency.
- Guaranteed Non-Cancelable As long as your scheduled premium payments are made, your insurance coverage will never be canceled, no matter what.
They offer all of the above with no medical exams or blood tests required. Just answer the health questions on the application.
From the date of issue, your death benefit remains level and can never decrease providing there are no outstanding policy loans.
Additional Benefits
$1,000 Cash Draft Benefit
$1,000 of the policy’s death benefit can be made immediately available after the insured’s death. The cash draft form is automatically included with your policy when issued. Its purpose is to provide your beneficiary with income to cover necessities until the claim is settled. After the attending physician certifies the cash draft form, it can be taken to a local bank. The bank will call Baltimore Life for verification, and if the policy is still in force, They will authorize payment of the draft.
This benefit is available from Baltimore Life free of charge and does not affect the premium. The death benefit will be reduced by the $1,000 cash draft amount. Policy must be in force for two years before this benefit is available.
Accidental Death Benefit Rider
By adding this rider, if death is caused by an accident, the policy pays a death benefit plus an additional amount equal to the face amount of your policy when it was issued.
Accelerated Death Benefit Rider
This benefit allows you to receive a portion of your death benefit if you are diagnosed with a terminal illness. This rider can be added to your policy at no extra cost to you. Riders are not available in all states. Refer to the policy and riders for definitions and exclusions. Optional rider coverage may require the payment of additional premium unless otherwise noted.
Level Premiums
Once your policy is issued, your premiums never increase, ever!
Cash Values
Over time cash value may be available to help you if you have a financial emergency.
Non-Cancelable Insurance Coverage
As long as your premiums are paid and questions are truthfully answered at the time of the application, your policy cannot be canceled.
Available in all states except NY
