Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

SBLI USA review

Annuity Atlas covers 20 SBLI USA annuity products with live rates and contract specs. 8 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

A-

Insurer claims-paying rating

Products tracked
20
MYGA yield (lineup max)
6.10% · 7yr · Select Choice 7-Year
Surrender range
3–7 years
Rate as of Oct 21, 2026
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Products covered
20
A.M. Best
A-
Categories covered
MYGA · FIA

20 SBLI USA annuities

Click any product for rates, specs, and the full peer-group review.

Select Choice 7-Year
New York and New Hampshire savers with $100,000 or more who want the longest guarantee SBLI USA offers and will not need the money at any point in seven years
A-
A.M. BEST
MYGA7-YR SURRENDER
Review →
Select Choice 5-Year
New York and New Hampshire savers with at least $100,000 who want a competitive five-year rate lock and can genuinely leave the money alone, because the base contract has no penalty-free access at all
A-
A.M. BEST
MYGA5-YR SURRENDER
Review →
Select Choice Plus 7-Year with MVA
New York and New Hampshire savers with $100,000 or more who want the highest seven-year guaranteed rate their state offers, and qualified-money holders who need required minimum distributions to come out without a penalty
A-
A.M. BEST
MYGA7-YR SURRENDER
Review →
Select Choice Plus 5-Year with MVA
New York and New Hampshire buyers placing qualified money for five years who need required minimum distributions to come out cleanly and are willing to pay for that in rate
A-
A.M. BEST
MYGA5-YR SURRENDER
Review →
Select Choice 2 (5) Base Policy + ROP
A-
A.M. BEST
MYGA5-YR SURRENDER
Details →
Select Choice 2 (7) Base Policy + ROP
A-
A.M. BEST
MYGA7-YR SURRENDER
Details →
Select Choice 3-Year
New York and New Hampshire savers parking a known sum for a short, defined period who will not touch it at all, and who value a shorter commitment over the extra yield the five- and seven-year siblings pay
A-
A.M. BEST
MYGA3-YR SURRENDER
Review →
Select Choice 4 (5) Base Policy + ROP + PFW
A-
A.M. BEST
MYGA5-YR SURRENDER
Details →
Select Choice 4 (7) Base Policy + ROP + PFW
A-
A.M. BEST
MYGA7-YR SURRENDER
Details →
Select Choice Plus 3-Year with MVA
New York and New Hampshire buyers placing qualified money for a short, fixed period who need required minimum distributions exempted from the withdrawal charge and are willing to give up rate to get that
A-
A.M. BEST
MYGA3-YR SURRENDER
Review →
Select Choice® Plus 2 (5) Year Plan (Base + ROP) MVA
A-
A.M. BEST
MYGA5-YR SURRENDER
Details →
Select Choice® Plus 2 (7) Year Plan (Base + ROP) MVA
A-
A.M. BEST
MYGA7-YR SURRENDER
Details →
Select Choice 2 (3) Base Policy + ROP
A-
A.M. BEST
MYGA3-YR SURRENDER
Details →
Select Choice® Plus 2 (3) Year Plan (Base + ROP) MVA
A-
A.M. BEST
MYGA3-YR SURRENDER
Details →
Select Choice® Plus 4 (5) Year Plan (Base + ROP + PFW) MVA
A-
A.M. BEST
MYGA5-YR SURRENDER
Details →
Select Choice® Plus 4 (7) Year Plan (Base + ROP + PFW) MVA
A-
A.M. BEST
MYGA7-YR SURRENDER
Details →
Select Choice 4 (3) Base Policy + ROP + PFW
A-
A.M. BEST
MYGA3-YR SURRENDER
Details →
Select Choice® Plus 4 (3) Year Plan (Base + ROP + PFW) MVA
A-
A.M. BEST
MYGA3-YR SURRENDER
Details →
Safe Solution 5-Year
New York savers who want index-linked growth with principal protection over a shorter horizon than most indexed annuities demand, plus a real 10% annual withdrawal allowance and no market value adjustment
A-
A.M. BEST
FIA5-YR SURRENDER
Review →
Safe Solution 7-Year
New York savers who want index-linked upside with principal protection, a genuine 10% annual withdrawal allowance, and the highest S&P 500 cap available on the New York shelf
A-
A.M. BEST
FIA7-YR SURRENDER
Review →

Frequently asked questions

Is SBLI USA a good annuity company?
We have reviewed 8 SBLI USA products, and A.M. Best rates the carrier A- for financial strength.
What is the surrender period for SBLI USA annuities?
Surrender periods on SBLI USA's current lineup run 3–7 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply. The product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
Full methodology →Who publishes this →

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