A life insurance guide for Baltimore Life policyholders
Not affiliated with Baltimore Life. Life Coverage Desk is a trade name of Imperial Group Services LLC, an independent insurance agency. We are not Baltimore Life. To reach Baltimore Life directly, use the phone number on your policy documents.
This page is about life insurance only, including final expense. We do not offer health insurance, Medicare, or medical, dental or vision plans.
General answers about life insurance and final expense, written for people who hold a Baltimore Life policy. If you want, a licensed agent can compare final expense options from several companies.
Common questions about a policy
People often ask about these topics. The answers depend on your contract, so your policy papers and your insurer are the source.
- Premiums: how much is due, when, and why it may have changed.
- Missed payments: whether a grace period applies.
- Lapse letters: what the dates mean and what the insurer requires.
- Beneficiaries: who is listed now, and how a change request works.
- Finding a policy: where to look when the paperwork is missing.
- Final expense coverage: what a small whole life policy for end-of-life costs is.
Comparing final expense options
Have these ready if you call: your age, your state, the coverage amount you have in mind and a monthly budget.
A licensed agent can go over your questions and, if you request it, show you quotes from more than one insurer. You decide what to do next. Nothing is sold unless you ask.
What to ask Baltimore Life
- Is my policy in force, and when is my next premium due?
- Who is listed as my beneficiary, and what do you need for a change request?
- Can you send my policy documents and any recent notices in writing?
This guide gives general information and is not advice on your own policy. Your policy contract and the insurer make the final call. Baltimore Life is a trademark of its owner. We use the name only to identify the company you may be asking about.