Sentinel Security Life Insurance Company
4.3
based on complex data
Annuity Educator Rating
Annuity review

Personal Choice (CA, FL Only) ages 60+

The Personal Choice Annuity from Sentinel Plan is a retirement gem especially designed for control and flexibility. It allows you to pick the elements that you require, ensuring you don't pay for anything extra you won't use. It removes the guesswork from annuities and lets you make the decisions.

One highlight is the Market Value Adjustment feature that gives you a fresh start at the end of each Guarantee Period. Further, opt in for riders according to your individual needs, like Required Minimum Distribution, Terminal Illness/Nursing Home Care, or Death Benefit Feature. This annuity is a customizable solution to your retirement needs!

Personal Choice (CA, FL Only) ages 60+-brochure Personal Choice (CA, FL Only) ages 60+-brochure

Personal Choice (CA, FL Only) ages 60+

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About Product

Premium Type
Single Premium
Fee withdrawal:
None
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$2,500
Maximum Contribution
$1,000,000
Min Age Qualified
60
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
Launch Date
10/07/2011

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%
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

The 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.

Year by Year Account Balance

Understand how your money will increase when invested in Personal Choice (CA, FL Only) ages 60+.
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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.

Company Founded: 1948
Good Rated Company
Sentinel Security Life Insurance Company
Company Ratings
4.8
  • A.M. Best B++
Assets: $1,214,615,649
Utah

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