Simple application process and expedited approval, sets SBLI apart from the competition

Learn about great products in rapidly growing niche markets and EASILY increase your earnings

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SBLI USA Life Insurance Company, Inc. (“SBLI USA”) has been doing business in New York for over 75 years.* The company has a long history of providing low cost financial protection products to the middle markets, primarily through savings banks.

  • Rated A- (Excellent) by A.M. Best
  • Excellent agent commissions
  • Agent Center – available 7 days a week
  • Skilled trainers at every level of your career
  • Knowledgeable back office support
  • Expedited approval process

Access to a range of simple, quality insurance products that are easy to purchase and tailored to the middle marketplace:

Simple Issue Term


Easy application process, no medical exam required – answers to a few health questions help us determine your eligibility*

Level premiums for the first 10 years, changing every 5 years thereafter

Convertible to Whole Life Insurance in the future

Issue Age

15 Days to Age 75

Available Coverage Amounts

$10,000 to $150,000

Golden Promise®


Provides permanent protection

Premiums are level for your lifetime

Builds tax-deferred cash value****

Easy application process with no medical exam – answers to the application questions help us determine your eligibility**

Eligible customers qualify for the LEVEL, GRADED, or MODIFIED Plan depending on the answers to the application questions.***

Issue Ages

LEVEL Plan – 50 to 80
GRADED Plan – 50 to 75
MODIFIED Plan – 50 to 75

Available Coverage Amounts

$1,500 to $35,000

Legacy Solution℠


Easy application process with no medical exam – answers to application questions help determine your eligibility*

One premium payment, no extra bills to keep up with

Insurance amount guaranteed for the life of the insured**

Cash value accumulates tax-deferred

Guaranteed minimum interest rate

Return of premium – you are guaranteed to receive no less than your single premium amount if you surrender your contract provided you have not taken a prior loan or partial withdrawal

Partial withdrawals and loans available***

Issue Age

50 to 75 (matures at age 95)

Available Coverage Amounts

$15,000 to $250,000

Select Choice® (SPDA)


Lifetime guaranteed minimum interest rate

Tax deferred savings – under current federal tax law, you pay no taxes on your earnings until you draw on your annuity, which helps your money grow faster*

Avoid probate -should you die before receiving annuity payments, your named beneficiaries will receive the full contract value, with no withdrawal charges or market value adjustments (MVA)

Choose a 3, 5, or 7 year initial rate guarantee period

Subsequent rate renewal periods are 5 years

Access to your money – you have access to all or part of your accumulated annuity value at any time**

Product Options

Penalty Free Withdrawal (PFW) – after the first policy year the owner can withdraw up to 10 percent of the contract value annually without incurring withdrawal charges ***

Guaranteed Return of Premium (ROP) – you will receive at least your initial investment, less any previous withdrawals and premium taxes, should you surrender your policy

Issue Ages

0 to 85

Available Coverage Amounts

$5,000 and up

See *Notes

See *Notes referenced above

Note: Products not available in all states. Policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. We can provide you with costs and complete details.