SBLI ECAccumulate Annuity – Guaranteed Growth with Flexibility and Long-Term Security
At Diversified Insurance Brokers, we help individuals create secure, predictable retirement strategies through customized annuity solutions. One of the most straightforward and reliable options available today is the SBLI ECAccumulate Fixed Annuity, issued by The Savings Bank Mutual Life Insurance Company of Massachusetts (SBLI). This fixed annuity is ideal for individuals seeking guaranteed interest, low-risk accumulation, and retirement security without market exposure.
Guaranteed Interest and Tax-Deferred Growth
The ECAccumulate Annuity offers a guaranteed five-year interest rate, locking in predictable, stable returns. With a minimum investment of $25,000 and a maximum of $1 million without SBLI’s home office approval, it’s an accessible option for both conservative investors and those rolling over qualified funds.
Your earnings grow tax-deferred, helping you maximize accumulation without immediate tax liability—an important benefit when planning for retirement.
Flexible Liquidity and Access Features
After the first contract year, you can withdraw up to 5% of the account value annually without penalties. SBLI also provides withdrawal charge waivers for:
-
Terminal illness
-
Nursing home confinement
-
Required Minimum Distributions (RMDs)
These provisions allow you to maintain access to your funds during times of personal or regulatory need.
Surrender Charges and MVA Considerations
The annuity’s surrender charge schedule starts at 9% in year one and decreases each year, making it easier to plan your time horizon. For early withdrawals above the free withdrawal limit, a Market Value Adjustment (MVA) may apply, potentially increasing or decreasing the payout depending on interest rate changes.
Death Benefit and Lifetime Income Conversion
Upon the death of the annuitant, beneficiaries receive the full accumulated value, with no surrender charges or MVA deductions. Additionally, policyholders can convert the contract into structured payments or a guaranteed lifetime income stream, giving you long-term security in retirement.
Backed by SBLI’s Financial Strength
SBLI brings over 100 years of financial stability and holds an A (Excellent) rating from A.M. Best, reinforcing its reputation as a reliable provider of fixed annuity solutions.
Why Work with Diversified Insurance Brokers
We provide expert, personalized guidance to help you select annuities that align with your retirement goals. The SBLI ECAccumulate is a great fit for individuals who want safety, stable growth, and income flexibility.
🎯 Want predictable returns with low-risk access and retirement income options?
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
Schedule here:
calendly.com/jason-dibcompanies/diversified-quotes
Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: SBLI ECAccumulate
What is the SBLI ECAccumulate annuity?
SBLI ECAccumulate is a fixed indexed annuity designed for long-term accumulation. It uses index-linked crediting strategies combined with full principal protection, making it suitable for growth-oriented savers who want downside security.
How does ECAccumulate credit interest?
Interest is credited based on the performance of selected indices and their associated strategies—such as participation rates or crediting periods. Negative index performance results in zero interest, not a loss of principal.
Does the annuity include a fixed-rate bucket?
Yes. ECAccumulate typically includes a fixed-interest allocation that offers guaranteed growth alongside the indexed strategies, providing added stability and diversification.
Are penalty-free withdrawals allowed each year?
The contract generally includes an annual penalty-free withdrawal up to a set percentage of the account value. Larger withdrawals may trigger surrender charges during the early years.
Can ECAccumulate be used for IRA rollovers?
Yes. ECAccumulate accepts IRA rollovers and transfers from qualified plans. The process is similar to the steps in our direct rollover guide.
Does the contract include a market value adjustment (MVA)?
Some versions may include an MVA. If applicable, it can adjust the value of early withdrawals based on interest-rate movements during the surrender period.
How often can index allocations be changed?
Allocation changes are typically permitted on each contract anniversary, giving you flexibility to adapt your strategy over time.
Does ECAccumulate offer income riders?
Some versions may offer optional income riders, although ECAccumulate is generally designed as an accumulation-focused FIA rather than an income-first solution.
What happens after the surrender period ends?
You gain full liquidity once the surrender period is over. At that point, you may withdraw funds, make allocation changes, or transfer to another annuity without penalty.
Who is SBLI ECAccumulate best suited for?
This FIA is ideal for savers seeking principal protection, index-linked growth potential, and moderate liquidity during the accumulation years.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
