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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%

Personal Choice Plus

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Highlights

Sentinel Personal Choice Plus annuity provides flexibility by allowing the selection of optional riders to a 5 year, single premium, a deferred annuity with three different indexing strategies, in addition to a fixed account. 
Available in states: AL, AZ, AR, CO, 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 & Legacy
Term
5 Years
Surrender schedule
10%9%8%7%5%
Free withdrawal
0%
Market value adjustment
Return of premium
Minimum contribution
$5,000
Maximum contribution
$1,000,000
Max Age Qualified
90
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
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Withdrawal Provisions

Optional Riders and Cost
Required Minimum Distribution - 0.16% fee
Preferred 10% Free Withdrawal - 0.08% fee
Death Benefit Feature - 0.35% fee
Accumulated Interest Withdrawal - 0.08% fee
The cost will be deducted from your accumulation value on each contract anniversary  

Death Benefit
The amount payable if the Owner, or the Annuitant if the Owner is not a Natural Person, dies before annuity payments begin, is equal to the Cash Surrender Value. The following options are available to each beneficiary: 
  • Lump Sum 
  • Distributed within five years 
  • Installment payments using a Settlement Option 
  • Enhanced Death Benefit Option 
    • Receive the Benefit Base payable in equal periodic payments over 5 years 
    • Benefit Base receives a Roll-up Rate equal to 150% of the Net Interest Rate 

Allocation Accounts

Name Type Rates
5-Year Fixed Account
Fixed
3% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
4.1% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Annual
Monthly average
4.2% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Annual
Monthly sum
1.75% Cap

Surrender schedule

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

Riders

Name Inbuilt Fee
Preferred 10% Free Withdrawal - 0.08% fee No 0.08% annually
Death Benefit Feature No 0.35% annually
Required Minimum Distribution - 0.16% fee No 0.16% annually
Accumulated Interest Withdrawal - 0.08% fee No 0.08% annually

Waivers

Nursing Home

Unavailable in states: PA

Available. The nursing home waiver does not include home health care.

Terminal Illness

Unavailable in states: PA

Available

Surrender Window

30 days prior to the end of the Guarantee Period, the following options are available to take effect on the next Contract Anniversary: 1. Continue the contract for another Guarantee Period; 2. Apply the Contract Value to a Settlement Option; 3. Take a Partial Withdrawal, with no MVA or Surrender Charges, and apply the remaining value to another Guarantee Period; 4. Surrender the contract without MVA or Surrender Charges.

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