SBLI USA review

Annuity Atlas covers 20 SBLI USA annuity products with live rates and contract specs. 8 carry full editorial reviews.

Carrier strength

A-

A.M. Best

Products20

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Products covered

A.M. Best

A-

Categories covered

MYGA · FIA

20 SBLI USA annuities

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

Product	Type	Surrender	Rating	Income rider	Bonus
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	MYGA	7yr	A-	—	—	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	MYGA	7yr	A-	—	—	Review →
Select Choice® Plus 2 (7) Year Plan (Base + ROP) MVA	MYGA	7yr	A-	—	—	Details →
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	MYGA	5yr	A-	—	—	Review →
Select Choice® Plus 4 (7) Year Plan (Base + ROP + PFW) MVA	MYGA	7yr	A-	—	—	Details →
Select Choice 2 (7) Base Policy + ROP	MYGA	7yr	A-	—	—	Details →
Select Choice 4 (7) Base Policy + ROP + PFW	MYGA	7yr	A-	—	—	Details →
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	MYGA	5yr	A-	—	—	Review →
Select Choice 2 (5) Base Policy + ROP	MYGA	5yr	A-	—	—	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	MYGA	3yr	A-	—	—	Review →
Select Choice 2 (3) Base Policy + ROP	MYGA	3yr	A-	—	—	Details →
Select Choice 4 (5) Base Policy + ROP + PFW	MYGA	5yr	A-	—	—	Details →
Select Choice 4 (3) Base Policy + ROP + PFW	MYGA	3yr	A-	—	—	Details →
Select Choice® Plus 2 (5) Year Plan (Base + ROP) MVA	MYGA	5yr	A-	—	—	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	MYGA	3yr	A-	—	—	Review →
Select Choice® Plus 4 (5) Year Plan (Base + ROP + PFW) MVA	MYGA	5yr	A-	—	—	Details →
Select Choice® Plus 2 (3) Year Plan (Base + ROP) MVA	MYGA	3yr	A-	—	—	Details →
Select Choice® Plus 4 (3) Year Plan (Base + ROP + PFW) MVA	MYGA	3yr	A-	—	—	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	FIA	5yr	A-	—	—	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	FIA	7yr	A-	—	—	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.

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