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Guaranteed Income Annuity 10 GLWB Rider

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The Guaranteed Income Annuity can help protect your future from risk while also growing your retirement money. This innovative annuity is designed to guarantee savings that last the entirety of a client’s life, provide a bright future and financial legacy to beneficiaries, or a combination of the two for those not completely sure of their retirement goals. 
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
Fixed Index
Purpose Lifetime Income
10 Years
Surrender schedule
Free withdrawal
1st year: 0%
2nd+ year: 10%
Market value adjustment
Return of premium
Launch date
Minimum contribution
Maximum contribution
Max Age Qualified
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
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Find out if the Guaranteed Income Annuity 10 GLWB Rider is the right product for you.

Premium Notes

Premium Bonus
A one-time bonus will be credited to the account value of the Base Policy on the Policy Date when choosing either the Accumulation Benefit Rider or the Legacy Benefit Rider. (Note: Premium Bonus is not available for the Guaranteed Lifetime Withdrawal Benefit Rider but instead will receive a bonus to the Income Account Value.)

Additional First Year Premiums
The Guaranteed Income Annuity allows for Subsequent Premiums in the First Contract Year only. There is no minimum for additional contributions. There is a maximum of $1 million total premium without prior approval. Subsequent Premiums can be made non-uniformly, monthly, or as a lump sum.

Withdrawal Provisions

Penalty-Free Withdrawal
Up to 10% of the purchase premium may be withdrawn without any surrender charges, market value adjustment, or forfeiture of any applicable premium bonus starting in year two. The Required Minimum Distribution may be withdrawn without any surrender charges, market value adjustment or forfeiture of any applicable premium bonus starting in year one. Any distribution may impact future Guaranteed Lifetime Withdrawal Benefit payments.

 Withdrawal Provisions 
  • Required Minimum Distribution (RMD) is available Penalty-free during the first contract year
  • RMD or up to 10% of the Purchase Premium is available penalty Free after the first Policy Year 
  • A maximum of two withdrawals are allowed each Policy Year 
  • Minimum withdrawal amount of $250; Minimum accumulation Value after withdrawal is $2,500 

Allocation Accounts

Name Type Rates
2-Year Fixed Account with 3 Month SOFR Participation Rate
3% Fixed
55% Participation

Surrender schedule

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


Name Inbuilt Fee
Sentinel GLWB Rider No 1.25% annually (1.60% after 5 years)


Nursing Home

Unavailable in states: CA, FL, and PA

Must be confined to a nursing home for a period of at least 90 consecutive days. There is a waiting period of either one or two years, depending on the state contract is issued. If the owner is confined to a nursing home during the waiting period, this benefit would not be available in certain states. The nursing home waiver does not include home health care.

Terminal Illness

Unavailable in states: CA

Terminal illness is defined as any medical condition which a physician certifies that the policy owner’s expected life span is twelve months or less. Proof of the terminal illness is required by a certified licensed physician that is not the owner, annuitant, or a family member to the owner or annuitant. The owner cannot be terminally ill during the waiting period. There is a waiting period of either one or two years, depending on which state the contract is issued.


Unavailable in states: CA

At time of issue, owner(s) must be able to do all 6 Activities of Daily LIving (ADLs), which are: Bathing, Transferring, Continence, Dressing, Toileting, Eating.

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