Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 15, 2021

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The Brief

  • You can cancel your Baltimore Life insurance at any time for any reason
  • You may have to pay fees depending on the type of coverage you have and where you live
  • Contact customer service to begin the cancellation process

Although there are a variety of reasons you may need to know how to cancel Baltimore Life insurance, the process is pretty simple.

We will take you through the steps to cancel Baltimore Life insurance company coverage and help you shop for new coverage.

Read our Baltimore Life insurance review before you cancel your coverage to learn about the rates and ratings of Baltimore Life in detail.

Keep reading to learn how to cancel Baltimore Life insurance. Enter your ZIP code now to compare life insurance quotes from multiple companies in your area for free.

What are the steps to cancel Baltimore Life insurance?

You might want to cancel Baltimore Life insurance for a variety of reasons. You can cancel at any time, whether you’ve found cheaper rates somewhere else or you no longer want coverage at all.

There are some differences between canceling term and permanent life insurance, but the basic steps are the same. These are the five steps you need to follow to cancel Baltimore Life insurance:

  • Step 1 – Speak with customer service. The Baltimore Life phone number is (410) 581-6600.
  • Step 2 – Give the agent your personal details and policy number.
  • Step 3 – Let them know that you wish to cancel your life insurance. Keep in mind, they may try to offer you lower rates or deals to convince you to stay with Baltimore Life.
  • Step 4 – Fill out any required forms, and ask for written confirmation that your policy will be canceled.
  • Step 5 – Follow up. Make one last call to ensure your cancellation has gone through and that you will receive any refund you might be due.

While the cancellation process is simple, you may be charged fees to cancel your policy.

If you need to file a claim, the Baltimore Life claims department can be reached at (800) 628-5433.

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What should you consider before canceling Baltimore Life insurance?

The state that you live in and the type of coverage you have will determine if you have to pay penalties for ending your policy. Baltimore Life offers term and permanent life insurance options.

It’s relatively easy to cancel Baltimore Life term insurance. Term life insurance is the cheapest form of life insurance and has no cash value. You can either cancel your coverage or just stop making your Baltimore Life insurance payments.

You may be entitled to a refund if you’ve pre-paid for your term life insurance. However, you may be charged fees as well.

There are other factors to consider if you are canceling your whole or universal life insurance. These types of coverage are more expensive and do have a cash value.

If you cancel the policy, you can receive the cash value as payment, minus fees.

Surrender fees can be charged when you cancel your whole or universal life coverage, according to the Insurance Information Institute. Generally, the longer you have your policy, the lower your fees.

If you just stop making payments, Baltimore Life can use the cash value of your policy to pay for your coverage until it is exhausted. Then your policy would lapse.

How to Cancel Baltimore Life: The Bottom Line

Although you can cancel Baltimore Life insurance whenever you want, you may be charged fees to do so. Begin the cancellation process by speaking with customer service.

Shop around and compare various companies to find cheap life insurance rates and coverage that will fit your needs.

We hope you’ve learned how to cancel Baltimore Life insurance company coverage. Enter your ZIP code now to compare life insurance rates from multiple companies for free.