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
|
Open brochure |
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.
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.
MYGA Interest Rates
Term |
Rate
Annual percentage yield (APY)
earned over the investment term |
---|---|
3 years | 5.6% |
5 years | 5.3% |
7 years | 5.3% |
10 years | 5.15% |
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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