Get Great Rates and Guaranteed Retirement Income - SBLI
Get Great Rates and
Guaranteed Retirement Income
with SBLI Optimizer MVA Series Annuities
Product
$5k (min.) -49k $50k-99k
$100k-249k
$250k +
Current Base Rates
Optimizer 1 (Non-MVA) Current 5-Year Yield** Guaranteed 5-Year Yield***
1.35% 1 Year
1.15% 1.07%
1.35% 1 Year
1.15% 1.07%
1.60% 1 Year
1.20% 1.12%
1.85% 1 Year
1.25% 1.17%
1.10%
Optimizer 2 MVA* First-Year Premium Bonus
Current 6-Year Yield** Guaranteed 6-Year Yield***
1.40% 2 Years
0.25% 1.44% 1.10%
1.40% 2 Years
0.50% 1.48% 1.15%
1.40% 2 Years
1.00% 1.56% 1.23%
1.40% 2 Years
1.00% 1.56% 1.23%
1.40%
Optimizer 3 MVA* Current 6-Year Yield** Guaranteed 6-Year Yield***
1.90% 3 Years 1.90% 3 Years 2.25% 3 Years 2.40% 3 Years
1.77%
1.77%
1.95%
2.02%
1.45%
1.45%
1.62%
1.70%
1.65%
Optimizer 5 MVA* Current 8-Year Yield** Guaranteed 8-Year Yield***
2.25% 5 Years 2.25% 5 Years 2.60% 5 Years 2.75% 5 Years
2.15%
2.15%
2.37%
2.46%
1.78%
1.78%
2.00%
2.09%
2.00%
Year Optimizer 1 Non- MVA Optimizer 2 MVA Optimizer 3 MVA Optimizer 5 MVA
Surrender Charges
1
23456789
9%
8% 7% 6% 5% 0% 0% 0% 0%
8%
8% 7% 6% 5% 4% 0% 0% 0%
9%
8% 7% 6% 5% 4% 0% 0% 0%
9%
8% 7% 6% 5% 4% 3% 2% 0%
*MVA, or Market Value Adjustment, can be a positive or negative adjustment to withdrawals or surrenders made within the initial interest rate guarantee period. **Calculated using the initial guaranteed rate for the initial rate guarantee period, and the current base rate for the balance of the surrender charge period. Calculation for Optimizer2 includes a first year premium bonus. ***Calculated using the initial guaranteed rate for the initial rate guarantee period, and the minimum guaranteed rate of 1% for the balance of the surrender charge period. Calculation for Optimizer2 includes a first year premium bonus.
Rates effective 8/1/2016 and are subject to change. All rates and yields shown assume that there are no withdrawals taken during the relevant period. Please ask your financial representative for complete details. This brochure contains a brief summary of the product. Consult your contract for a detailed description of benefits (such as premium bonus), limitations and restrictions. There is no additional tax deferral benefit for annuities purchased in an IRA, or other tax-qualified plan, since these plans already afforded tax-deferred status. Partial withdrawals are subject to ordinary income tax, may be subject to surrender charges, and if taken prior to age 59 1/2 may be subject to a 10% IRS penalty. Please consult your financial representative and tax advisor for complete details. This is a brochure and not intended to be tax advice. An Optimizer Annuity is a deferred annuity contract issued by The Savings Bank Life Insurance Company of Massachusetts. Optimizer products may not be available in all states and state variations may apply. Contracts are guaranteed by the claims paying ability of The Savings Bank Life Insurance Company of Massachusetts. The Optimizer Deferred Annuity is not a deposit or other obligation of, or guaranteed by, a bank or an affiliate of a bank or a credit union. The annuity is not insured by the Federal Deposit Insurance Corporation (FDIC), National Credit Union Insurance Share Fund or any other agency of the United States, a bank or an affiliate of a bank. This product may lose value. The Optimizer Deferred Annuity is an insurance product subject to state insurance regulation. Contract Series ICC11/B-410.1, ICC11/B-410MVA, B-410, B-410MVA. The Savings Bank Life Insurance Company of Massachusetts (SBLI), One Linscott Road, Woburn, MA 01801, 781-938-3500, NAIC #: 70435.
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