Personal Choice (State Variation) ages 0-59

Retirement planning gets a refresh with the Sentinel Plan Personal Choice Annuity. Designed for utmost flexibility, you don't have to pay for what you don't need. This product lets you select from a range of features ensuring a perfect match with your financial goals.

Desire timely access to your money? No worries! You can choose how long your annuity lasts - three, five, seven, or even ten years. Plus, enjoy the selection of optional riders, each waiving off Surrender Charges or Market Value Adjustments under certain scenarios. Let's toast to efficient retirement planning!

Personal Choice (State Variation) ages 0-59

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About Product

Premium Type

Single Premium

Fee withdrawal:

None

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$2,500

Maximum Contribution

$1,000,000

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

Launch Date

06/23/2011

MYGA Interest Rates

Term	Rate Annual percentage yield (APY) earned over the investment term
3 years	4.45%
5 years	4.65%
7 years	4.5%
10 years	4.35%

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.
Minnesota contracts do not include Market Value Adjustments (MVA). 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, and Pennsylvania.

Riders

Name	Inbuilt	Fee
RMD Fee	No	0.16% rate reduction
Preferred 10% Free Withdrawal	No	0.08% rate reduction
Accumulated Interest Withdrawal	No	0.08% rate reduction
Terminal Illness/ Nursing Home Care	No	0.15% rate reduction
Death Benefit Feature Age: 86- 90	Yes	0.35% rate reduction
72 (t) Free Withdrawal	No	0.05% rate reduction