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?