¹At the end of each interest rate guarantee period, the annuity yields a return based on the higher of two values: either the total accumulated value from the guaranteed fixed interest rate or the indexed value, which is based on the performance of the S&P 500® Index. If the indexed value is greater than the accumulated value, any excess will be credited as a bonus. ²Market Crest offers a 4% fixed interest rate for a 5-year guarantee period and a 60% participation rate, effective as of 06/10/24 . These rates are subject to change ³Based on an SBLI Market Crest MYGIA with a 4% fixed interest rate for a 5-year guarantee period with a 60% participation rate and S&P 500® Index data for hypothetical policies issued on the 1st of the month of every month from 1/1/2009 through 1/1/2019. ⁴Visit www.ambest.com for more information.

*The S&P 500® is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by The Savings Bank Mutual Life Insurance Company of Massachusetts (SBLI). Standard & Poor’s®, and S&P®, are trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Savings Bank Mutual Life Insurance Company of Massachusetts (SBLI). The Market Crest™ Multi-Year Guarantee Indexed Annuity is not sponsored, endorsed, sold or promoted by, Dow Jones, S&P, or any of their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for such errors, omissions, or interruptions of the S&P 500® Index.

The Market Crest™ Multi-Year Guarantee Indexed Annuity is a deferred annuity contract issued by The Savings Bank Mutual Life Insurance Company of Massachusetts. Contracts are guaranteed by the claims-paying ability of The Savings Bank Mutual Life Insurance Company of Massachusetts. Contract and Rider Form Series: 23‐P‐SPDAMVA, 23-R-HWMIBC, BR-2 and BR-5. SBLI is a registered trademark of The Savings Bank Mutual Life Insurance Company of Massachusetts, Woburn, MA. NAIC #70435. Licensed in 49 states and DC (excludes NY). Approved for consumer use. Products and features may not be available in all states. SBLI is in no way affiliated with SBLI USA Life Insurance Company, Inc. © 2024 All rights reserved. 12/2024

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