Sentinel Security Life Insurance Company
Personal Choice Plus
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
FIA
Surrender
5 years
Top yield
3.00%
A.M. Best
B
This carrier is rated below A− (our floor for recommending a product). We still publish its rates and specs, but it will not appear in our recommendations.
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 5 Year Fixed Acccount *FEE* | Fixed | 3.00% | — | — | 3.00% |
| 5 Year Fixed *FEE* | Fixed | 3.00% | — | — | 3.00% |
| 5 Year Fixed *FEE* | Fixed | 3.00% | — | — | 3.00% |
| 1 Year Monthly Average Indexed Account *FEE* | Point to Point | — | 4.20% | — | 2.23% |
| 1 Year Monthly Sum Indexed Account *FEE* | Point to Point | — | 1.75% | — | 2.23% |
| 1 Year Point-to-Point Indexed Account *FEE* | Point to Point | — | 4.10% | — | 2.23% |
| 1 Year Monthly Average Indexed Account *FEE* | Point to Point | — | 4.20% | — | 2.23% |
| 1 Year Monthly Sum Indexed Account *FEE* | Point to Point | — | 1.75% | — | 2.23% |
| 1 Year Point-to-Point Indexed Account *FEE* | Point to Point | — | 4.10% | — | 2.23% |
| 1 Year Monthly Average Indexed Account *FEE* | Point to Point | — | 4.20% | — | 2.23% |
| 1 Year Monthly Sum Indexed Account *FEE* | Point to Point | — | 1.75% | — | 2.23% |
| 1 Year Point-to-Point Indexed Account *FEE* | Point to Point | — | 4.10% | — | 2.23% |
Surrender Schedule
Yr 1
10%
Yr 1
10%
Yr 1
10%
Yr 1
10%
Yr 1
5%
Yr 2
5%
Yr 2
9%
Yr 2
5%
Yr 2
9%
Yr 2
9%
Yr 3
5%
Yr 3
8%
Yr 3
5%
Yr 3
8%
Yr 3
5%
Yr 4
5%
Yr 4
7%
Yr 4
5%
Yr 4
5%
Yr 4
5%
Yr 5
5%
Yr 5
5%
Yr 5
5%
Yr 5
5%
Yr 5
4%
Yr 6
3%
Yr 6
4%
Yr 6
5%
Yr 6
5%
Product Specifications
- Minimum premium (non-qualified)
- $5,000
- Minimum premium (qualified)
- $5,000
- Maximum issue age
- 90
- Free withdrawal
- 0%
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- true
- Return of premium
- false
- States available
- 32 states
Income Riders
Enhanced Death Benefit (Required for ages 86+)(built in)
Enhanced Death Benefit (CA, FL)(built in)
Enhanced Death Benefit
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy.