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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

Personal Choice (CA, FL Only) ages 0-59

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Highlights

Premium Type
Single Premium
Max age Qualified
59
Minimum Contribution
$2,500
Maximum Contribution
$1,000,000
Market value adjustment
Return of premium
Free withdrawal
0%
Launch date
10/07/2011
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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Sentinel Plan Personal Choice Annuity was created with flexibility. You have the opportunity to select which features you want added onto your base policy - never having to pay for what you won’t use.

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.

Find out if the Personal Choice (CA, FL Only) ages 0-59 is the right product for you.

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MYGA Interest Rates

Term
Rate
Annual percentage yield (APY)
earned over the investment term
3 years 5.6%
5 years 5.5%
7 years 5.5%
10 years 5.35%

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.

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