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Retirement Plus Multiplier 5

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Sentinel Plan Retirement Plus Multiplier Annuity is a single premium, a deferred annuity with four different index crediting strategies in addition to a fixed account. Two optional riders are available, the Growth Benefit (Accumulation Buy-up Rider) and the Income Multiplier (Guaranteed Lifetime Withdrawal Benefit), one of which may be selected.
Sentinel Security Life Insurance Company launched a new feature for the Retirement Plus Multiplier (RPM) 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 RPM'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 RPM 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
Fixed Index
Purpose Lifetime Income
5 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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Withdrawal Provisions

Withdrawal Provisions 
  • RMDs are available Penalty Free in all years 
  • Up to 5% of the Accumulation Value is available Penalty-Free after the first contract year 
  • A maximum of two 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
5% Fixed
1-Year Goldman Sachs Aging of America Dynamic Balance PTP Participation Rate
Point to Point
150% Participation
3-Year Goldman Sachs Aging of America Dynamic Balance PTP Participation Rate
Point to Point
250% Participation
1-Year S&P 500 PTP Cap
Point to Point
11.5% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
50% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
60% Participation
2-Year Goldman Sachs Aging of America Dynamic Balance PTP Participation Rate
Point to Point
200% Participation

Surrender schedule

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


Name Inbuilt Fee
Income Multiplier GLWB Rider No 0.95% annually


Nursing Home

Unavailable in states: CA

Must be confined to a nursing home for a period of at least 90 consecutive days. There is a waiting period of one year. If the owner is confined to a nursing home during the waiting period. 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 one year.

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