J.J. Kremer, Licensed Agent, Baltimore Life Company

08/16/2025

Baltimore Life’s iCumulate MYGA annuity! Check it out!

10/27/2022

Medicare season is here! While many seniors are confused with the choices and plan types, I can help simplify them and possibly save you valuable premium dollars. For a no cost, no obligation consultation, please visit me online at www.baltlife.com/JJKremer or call me today at (443) 960-6751.

02/24/2017

Some think that their group life insurance from employers is enough. Here is why it is not enough!

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02/16/2017

DOES YOUR CURRENT TERM INSURANCE HAVE LIVING BENEFITS?

Transamerica Living Benefits (LB) VS Traditional Term Life Insurance?

Life is full of surprises and sometimes these surprises can throw an unexpected wrench in your financial plans. Unexpected illnesses or serious medical conditions can cause major devastation to a family’s life savings. A traditional term life insurance policy is a great addition to any individual’s financial plan. A traditional term life policy can ensure that your financial plans are met after you are gone.

A Transamerica Living Benefits (LB) policy will not only ensure that your financial plans are met after you are gone, but can provide you an income if you become ill with a chronic, critical or even a terminal illness. A traditional term life insurance policy cannot offer this.

According to Centers for Disease Control and Prevention (CDC), it has been shown in recent studies that nearly half of Americans suffer from a chronic health condition such as:

Heart Attack
Stroke
Cancer
End Stage Renal Failure
Major Organ Transplant
ALS
Blindness From Diabetic Retinopathy
Paralysis of two or more limbs

Suffering from anyone of these chronic illnesses can create devastation to ones financial savings.

10/29/2016

10/13/2016

Leaving your 401(k) with a former employer may not help you in the long run. If you have left a job(s) and have an old 401 K with them, feel free to reach out to me to go over options you have with that old 401 K.

A 401(k) can be one of the most significant investments a person can have.

10/03/2016

The 3 questions to ask if you have workplace term life insurance: Group term life insurance can fall short of your true protection needs.

09/06/2016

Dave is in his 40's and lives in Tulsa, Oklahoma. He loves being outdoors, working out and spending time with his wife and kids. Shortly after he purchased h...