Baltimore Life's Single Premium Whole Life and Generation Legacy products can help your client substantially increase the estate being passed on to their heirs in a tax efficient manner. 

Single Premium Whole Life is a secure solution for seniors who want to reallocate a portion of their invested cash assets not needed for daily living such as CD's and Money Market funds. 

Generation Legacy is designed for seniors who have non-qualified annuities and qualified funds that they want to pass onto their heirs in an easier and more tax-efficient manner. 

In addition to the immediate increase in your client's estate provided by the life insurance, both products also offer the security of living benefits through accelerated death benefit riders.

Baltimore Life's point-of-sale underwriting process gives you and your client an immediate underwriting decision on 90%+ of your applications.