Fixed annuity review and rates
Personal Choice
Sentinel Plan Personal Choice Annuity was created with flexibility. You have the opportunity to select which features you want added onto your base policy - never having to pay for what you won’t use.
Market Value Adjustment (MVA)
The MVA is specified in the contract. The MVA expires at the end of each Guarantee Period and reinstates when the annuity rolls into a new Guarantee Period.
Optional Riders and Cost
Required Minimum Distribution - 0.16% interest reduction
Preferred 10% Free Withdrawal - 0.08% interest reduction
Terminal Illness/Nursing Home Care - 0.15% interest reduction
72(t) Free Withdrawal - 0.05% interest reduction
Death Benefit Feature - 0.35% interest reduction
Accumulated Interest Withdrawal - 0.08% interest reduction
Death Benefit Feature is required in California and Florida and is priced into the California and Florida rates. All California and Florida contracts are issued with the Death Benefit Feature.
Minnesota contracts do not include Market Value Adjustments (MVA). All Owners 86-90 are required to purchase the Death Benefit Rider in all states except California and Florida.
Nursing Home Rider/Terminal Illness Rider Not Available in California, Florida, and Pennsylvania.
Market Value Adjustment (MVA)
The MVA is specified in the contract. The MVA expires at the end of each Guarantee Period and reinstates when the annuity rolls into a new Guarantee Period.
Optional Riders and Cost
Required Minimum Distribution - 0.16% interest reduction
Preferred 10% Free Withdrawal - 0.08% interest reduction
Terminal Illness/Nursing Home Care - 0.15% interest reduction
72(t) Free Withdrawal - 0.05% interest reduction
Death Benefit Feature - 0.35% interest reduction
Accumulated Interest Withdrawal - 0.08% interest reduction
Death Benefit Feature is required in California and Florida and is priced into the California and Florida rates. All California and Florida contracts are issued with the Death Benefit Feature.
Minnesota contracts do not include Market Value Adjustments (MVA). All Owners 86-90 are required to purchase the Death Benefit Rider in all states except California and Florida.
Nursing Home Rider/Terminal Illness Rider Not Available in California, Florida, and Pennsylvania.
Interest Rates
| Guaranteed Years | Surrender Years | Guaranteed Yield | Current Yield |
|---|---|---|---|
| 5 | 5 | 4.65% | 4.65% |
| 5 | 5 | 4.35% | 4.35% |
| 7 | 7 | 4.7% | 4.7% |
| 7 | 7 | 4.4% | 4.4% |
| 10 | 10 | 4.75% | 4.75% |
| 10 | 8 | 4.25% | 4.25% |
| 5 | 5 | 4.65% | 4.65% |
| 10 | 8 | 4.75% | 4.75% |
| 7 | 7 | 4.7% | 4.7% |
| 5 | 5 | 4.65% | 4.65% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| RMD Fee | No | 0.16% rate reduction |
| Preferred 10% Free Withdrawal | No | 0.08% rate reduction |
| Accumulated Interest Withdrawal | No | 0.08% rate reduction |
| Terminal Illness/ Nursing Home Care | No | 0.15% rate reduction |
| Death Benefit Feature Age: 86- 90 | Yes | 0.35% rate reduction |
| 72 (t) Free Withdrawal | No | 0.05% rate reduction |
Brochure
Free withdrawal
0%
Types of funds
Non-Qualified, 401k, IRA, IRA Rollover, 401a, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, 1035 Exchange, Stretch IRA, Inherited IRA, and TSP