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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.25%
7-Year
6.00%
10-Year
5.80%

Accumulation Protector Plus

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Highlights

The Accumulation Protector Plus Annuity is a 10 year fixed indexed single premium, a deferred annuity with a premium bonus. This annuity offers seven different index crediting strategies in addition to a fixed account. An optional rider is available (the Rate Enhancement Rider) to be selected.

Settlement Options
After the fifth Contract Year, the Vested Value can be used to purchase one of the Settlement Options. Surrender Charges and the Market Value Adjustment would not apply. 
  • Option 1: Life Income Only
  • Option 2: Life Income with Guaranteed Period Certain 
  • Option 3: Period Certain Only 
Credit Suisse Momementum Indexed Account
The Participation Rates for the Credit Suisse Momentum Index One-Year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date.

Sentinel Security Life Insurance Company launched a new feature for the Accumulation Protector Plus (APP) Annuity that will offer even more flexibility. On the contract anniversary coinciding with the end of a strategy’s crediting period, contract owners will now be able to reallocate the account value from that strategy to any of the APP’s one, two, or three-year crediting strategies. For example, if your client has premium allocated to a 1-year strategy and a 3-year strategy, at the end of the 1-year strategy’s crediting period they can allocate those funds to a new 1, 2, or 3-year strategy while their other 3-year strategy is still at play. With more options, your clients will be able to more easily try out different APP growth strategies to best suit their needs.
Available in states: AL, AZ, AR, CA, CO, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MN, MS, MT, NE, NV, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TX, UT, WA, and WY
Type
Fixed Index
Purpose Accumulation
Premium Bonus
10%
Term
10 Years
Surrender schedule
10%9%8%7%6%5%4%3%2%1%
Free withdrawal
1st year: 0%
2nd+ year: 5%
Market value adjustment
Return of premium
Launch date
08/31/2020
Minimum contribution
$5,000
Maximum contribution
$1,000,000
Max Age Qualified
85
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
Brochure
Open brochure

Find out if the Accumulation Protector Plus is the right product for you.

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Premium Notes

With the SECURE Act and the 10 year Surrender Schedule on the APP Annuity, Sentinel is only able to accept an inherited IRA for beneficiaries of an IRA Owner that passed away before 1/1/2020

Withdrawal Provisions

Withdrawal Provisions 
  • RMDs are available Penalty-Free after the first Contract Year 
  • Up to 5% of the Account Value is available Penalty-Free after the first Contract Year 
  • A maximum of 2 withdrawals are allowed each Contract Year 
  • Minimum withdrawal amount of $250; Minimum Account Value after withdrawal is $2,500 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.75% Fixed
2-Year S&P 500 PTP Participation Rate
Point to Point
Biennial
60% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
43% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
10% Cap
1-Year Credit Suisse Momentum PTP Participation Rate Guaranteed for Term
Point to Point
Annual
210% Participation
2-Year Credit Suisse Momentum PTP Participation Rate Guaranteed for Term
Point to Point
Biennial
320% Participation
3-Year Credit Suisse Momentum PTP Participation Rate
Point to Point
Triennial
465% Participation
1-Year Credit Suisse ESG Macro 5 PTP Participation Rate Guaranteed for Term
Point to Point
Annual
210% Participation
2-Year Credit Suisse ESG Macro 5 PTP Participation Rate Guaranteed for Term
Point to Point
Biennial
320% Participation
3-Year Credit Suisse ESG Macro 5 PTP Participation Rate
Point to Point
Triennial
465% Participation
1-Year Credit Suisse Momentum Performance Triggered
Performance Triggered
Annual
9% Performance triggered

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 10% 9% 8% 7% 6% 5% 4% 3% 2% 1%

Riders

No Riders for Accumulation Protector Plus annuity.

Waivers

Nursing Home

Unavailable in states: CA, FL, and PA

If you are diagnosed with a terminal illness or need to move into a nursing home, you can make a full surrender or partial withdrawal with no Market Value Adjustment, Surrender Charge, or loss of any applicable Non-Vested Premium Bonus under certain conditions. The nursing home waiver does not include home health care.

Terminal Illness

Unavailable in states: CA, FL, and PA

If you are diagnosed with a terminal illness or need to move into a nursing home, you can make a full surrender or partial withdrawal with no Market Value Adjustment, Surrender Charge, or loss of any applicable Non-Vested Premium Bonus under certain conditions.

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