Personal Choice (CA, FL Only) ages 0-59
The Sentinel Plan Personal Choice Annuity is a fantastic option for those who value flexibility and control over their retirement income. This annuity allows you to select the features you need, meaning you're never paying for unnecessary extras. Options such as the 72(t) Free Withdrawal, RMD, and preferred 10% free withdrawal can truly tailor the policy to your needs.
This annuity is perfect for those who want to take the reins of their financial future. The plan offers access to your money when you need it most, whether that is in three, five, seven, or ten years. And with the added security of the death benefit feature, this annuity provides reassuring protection for your loved ones. Choose Sentinel Plan Personal Choice for a custom-built retirement solution.
Personal Choice (CA, FL Only) ages 0-59
About Product
MYGA Interest Rates
| Term |
Rate
Annual percentage yield (APY)
earned over the investment term |
|---|---|
| 3 years | 4.15% |
| 5 years | 4.4% |
| 7 years | 4.4% |
| 10 years | 4.25% |
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. 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.
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| RMD Fee - 0.16% Fee | No | 0.16% annually |
| Preferred 10% Free Withdrawal | No | 0.08% rate reduction |
| Accumulated Interest Withdrawal | No | 0.08% rate reduction |
| Death Benefit Feature Age: 86- 90 | Yes | 0.35% rate reduction |
| 72 (t) Free Withdrawal | No | 0.05% rate reduction |
| Death Benefit Feature | Yes | 0.35% rate reduction |
Waivers
Surrender Window
30 days prior to the end of any guarantee period Surrender Charges and MVA will not apply.
- A.M. Best B++
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