Stonebridge Insurance, LLC.

Annuities - What Are They?
Annuities are contracts between Savings Bank Life Insurance and you which provide tax deferred interest growth. You make payments into an annuity — either one time, or many times — and we promise to make payments to you for a specific period, or over your entire lifetime. Annuities generally fall into one of two categories: immediate or deferred. Immediate annuities quickly begin making guaranteed payments to you. Deferred annuities generally take longer, but provide you with other important benefits.

Annuities - Why Buy One?
Many people choose annuities for their flexibility and features. Annuities offer a tax-deferred way to save for retirement or other needs. But annuities also have other investment features:

The bottom line: Annuities allow you to earn tax-deferred interest — you pay no state or federal taxes as the plan accumulates value. Only when we distribute the funds to you will you have to pay taxes.

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Insurance products are not deposits of Bridgewater Savings Bank and are not insured by the FDIC/DIF or any other agency of the United States, the Bank, or an affiliate of the Bank. They are not an obligation of, or guaranteed by, the Bank or its affiliates and may be subject to risk of loss. Any insurance that is required as a condition of an extension of credit by the Bank need not be purchased from the Bank and may be purchased from an agent or insurance company of the customer’s choice. Stonebridge Insurance LLC is a Bridgewater Savings Bank Company. Business conducted with Stonebridge Insurance LLC is separate and distinct from any business conducted with the Bank.