Regardless of your finances, a sound investment strategy can help promote growth for both your immediate and long-term financial stability. Whether your goals are retirement, education planning or building your portfolio, our professionals will explain available options and help you

build an investment strategy based on your goals.

Annuities are one of our most popular investment options. We offer

these and other products through Savings Bank Life Insurance (SBLI including the New SBLI Optimizer Tax Deferred Annuities.

Competitive Interest Rates

Guaranteed* for terms ranging from one to five years – you choose!

First Year Bonus Options

In addition to your guaranteed rate, earn additional interest

or premium, depending on the product you select.

Return of Premium

At minimum, you will receive your single premium

less any previous surrenders and surrender charges.

For additional information, or to review other investment options,

contact our Investment & Insurance Management Team by phone at 978.323.7202 or email.

Annuities

What is an Annuity?

You may think annuities are complicated, but they are actually quite simple. An annuity is a contract between you and SBLI that helps you accumulate money and ultimately yield a steady income stream in retirement. With this contract, you make either a lump sum payment or a series of payments over time, and SBLI promises to make payments to you at a guaranteed rate, either immediately or at a later date.

Why should I purchase an Annuity?

It is perfect for generating income in retirement because it will provide you with regular payments over the course of your entire life - or for as long as you choose. In addition, one of the best features of SBLI's deferred annuity is tax-deferred interest growth. Simply put, the earnings on your annuity will grow and you won't pay Federal or State taxes on them until you begin to make withdrawals.

Life Saver III Annuity

This product allows you to withdraw up to 10% of the annuity's accumulated value once per year after the first year without a withdrawal charge. SBLI guarantees the minimum interest rate will be at least 3% for the life of the contract. Additional features include:

• You may fund the annuity with transfers or exchanges from other non-qualified annuities in addition to funding it with cash.
• You may make up to 3 additional payments in any given year.
• The minimum contribution is $1,000 for additional payments.
• You must make at least one contribution annually or you'll have to start a new annuity.
• Once you have owned the annuity for 5 years, you may choose to begin receiving payments any time between the ages of 50 and 90.

You can also tailor your payment schedule to suit your needs. Options include one lump sum, income for a fixed period of time, income for life with a guaranteed period of years, income for life, or income for two joint lives.

IRA Deferred Annuity

This option is ideal for retirement planning. Save for the future with guaranteed, competitive rates combined with tax deferred earnings.

Single Premium Immediate Annuity

With this product you can begin receiving payments immediately in the first year. Features include:

• The initial minimum deposit is $10,000.
• You can choose to receive payments monthly, quarterly, semi-annually or annually.
• You cannot make additional contributions or surrender the contract for cash.

ESTATE PLANNING

Lowell Five's Investment & Insurance Management Team can also provide strategic planning for your estate wealth administration and/or disposition arrangements according to your wishes, using tools that include: a will, different types of trusts, assigning beneficiaries, power of attorneys, different forms of ownership designations and gifts.

Rates are subject to change • Not FDIC Insured • No Bank Guarantee • May Lose Value • Not a Deposit • Not Insured by any Federal Government Agency • This product is subject to investment risks, including possible loss of principal • The safety of your principal and interest is solely dependent upon the company's financial condition • Please visit ambest.com for complete details. ©2009 The Lowell Five Cent Savings Bank. 

SBLI and The No Nonsense Life Insurance Company are registered trademarks of The Savings Bank Life Insurance Company of Massachusetts, which is in no way affiliated with SBLI USA Mutual Life Insurance Company, Inc. © 2009 The Savings Bank Life Insurance Company of Massachusetts, Woburn, MA. All rights reserved.

*At the end of the guarantee period, your renewal interest rate will be declared by the company.