Effective 5/16/2022
All Other | CA, FL | MN |
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5 Year (Rate) | 4.05% | 3.95% | 3.75% |
7 Year (Rate) | 4.10% | 4.00% | 3.80% |
10 Year (Rate) | 4.15% | 4.05% | 3.65% |
Minnesota contracts do not include Market Value Adjustments (MVA). All Annuitants 86-90 are required to purchase Death Benefit Rider in all states except Florida and California where it is an included feature. Nursing Home Rider/Terminal Illness Rider Not Available in California, Florida, and Pennsylvania. Pennsylvania plans are known as Choice Annuity.
All Other | CA, FL |
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5 Year Fixed (Rate) | 2.70% | 2.60% |
Annual Point-to-Point Cap | 4.10% | 4.10% |
Monthly Averaging Cap | 4.20% | 4.20% |
Monthly Sum Cap | 1.75% | 1.75% |
Optional Riders and Cost |
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Required Minimum Distribution | 0.16% fee |
Preferred 10% Free Withdrawal | 0.08% fee |
Death Benefit Feature | 0.35% fee* |
Accumulated Interest Withdrawal | 0.08% fee |
*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. Special introductory cap in the state of Florida All Annuitants 86-90 are required to purchase Death Benefit Rider in all states except California and Florida ** Rates vary state and may change at anytime. Please consult an agent for more details.
Premium Bonus | Base Contract - 7.00% With Income Rider - 8.00% |
Interest Rate Guarantees |
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1st Year Rate | 1.50% |
Current Rate Guarantee | 1% |
Indexing |
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Index/Benchmark | S&P 500® |
Caps | Annual Point-to-Point Cap: 2.50% Monthly Averaging Cap: 2.50% Daily Averaging Cap: 2.50% Monthly Sum Cap: 1.10% |
Riders |
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Optional Riders and Cost | Income Rider - 1.05% |
Interest rates as of 02/22/2021 and are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Not all annuities and optional riders are available in all states. Summit Bonus Index has a 10-year surrender schedule. Premium bonuses are subject to a vesting schedule. Inclusion of the income rider subject to age restriction.
10 Year |
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Premium Bonus | GLWB Rider: | 8.00% | |
Legacy Rider: | 10.00% for issue ages under 71 5.00% for issue ages 71-80 3.00% for issue ages 81-85 | ||
Accum Rider: | 10.00% for issue ages under 71 8.00% for issue ages 71-80 6.00% for issue ages 81-85 |
1st Year Rate | 1.00% (with subsequent purchase premium) |
Current Rate Guarantee | 2 Yrs |
Index/Benchmark | LIBOR |
Optional Riders and Cost | GLWB Rider: | 1.25% fee years 1-5, 1.60% fee years 6-10 (10 year contract) | |
Legacy Benefit Rider | 1.25% fee years 1-5, 1.60% fee years 6-10 (10 year contract) | ||
Accumulation Rider | No Fee |
Effective 03/15/2021
Fixed Rate |
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1st Year Rate | 2.00% |
Current Rate Guarantee | 1 Yr |
Goldman Sachs Aging of America Dynamic Balance Index |
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Index Crediting Strategy | No Rider | Growth Rider | Income Multiplier |
1-year with point-to-point participation rate | 75.00% | 125.00% | 75.00% |
2-year with point-to-point participation rate* | 100% | 160% | 100% |
3-year with point-to-point participation rate | 140.00% | 200.00% | 140.00% |
S&P 500® |
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Index Crediting Strategy | No Rider | Growth Rider | Income Multiplier |
1-year with point-to-point participation rate | 28.00% | 40.00% | 28.00% |
1-year with point-to-point caps | 4.00% | 6.00% | 4.00% |
2-year with point-to-point participation rate* | 36% | 56% | 36% |
Rider Fees |
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Surrender Periods | 5 Year | 7 Year | 10 Year |
Growth Rider | 1.25% | 1.25% | 1.25% |
Income Multiplier | 0.95% | 0.95% | 0.95% |
*2-year strategies are not available in the state of California.
The Goldman Sachs Aging of America Dynamic Balance Index (the “Index”) is a Goldman Sachs owned index. This fixed indexed annuity is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. LLC or any of its affiliates with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively, “Goldman Sachs”). Goldman Sachs makes no representation or warranty, express or implied, regarding the suitability of annuities for your financial situation generally, or fixed indexed annuities or the investment strategy underlying this fixed indexed annuity particularly, the ability of the Goldman Sachs Aging of America Dynamic Balance Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Aging of America Dynamic Balance Index or the suitability of purchasing or holding interests in this fixed indexed annuity. Goldman Sachs does not have any obligation to take the needs of the holders of this fixed indexed annuity into consideration in determining, composing or calculating the Goldman Sachs Aging of America Dynamic Balance Index. GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE GOLDMAN SACHS AGING OF AMERICA DYNAMIC BALANCE INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS FIXED INDEXED ANNUITY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.
Premium Bonus |
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Base Contract | 5.00% |
With Rate Enhancement Rider | 5.00% |
Interest Rate Guarantees |
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No Rider | Rate Enhancement Rider |
1st Year Fixed Rate | 2.35% | 3.20% |
Current Rate Guarantee | 1 Year | 1 Year |
Other Guarantees | ***The Participation Rates for the Credit Suisse Momentum Index are guaranteed for 10 years with the selection of the One-year point-to-point or Two-year point-to-point crediting strategies, as long as Credit Suisse continues to offer the Credit Suisse Momentum Index to Sentinel Security Life Insurance Company. |
Indexing |
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No Rider | Rate Enhancement Rider |
Credit Suisse Momentum Index 1 Year Point-to-Point with Participation Rate*** | 100% | 140% |
Credit Suisse Momentum Index 2 Year Point-to-Point with Participation Rate*** | 150% | 200% |
Credit Suisse Momentum Index 3 Year Point-to-Point with Participation Rate | 180% | 250% |
S&P 500® 1 Year Point-to-Point with Participation Rate | 30% | 38% |
S&P 500® 2 Year Point-to-Point with Participation Rate | 42% | 55% |
S&P 500® 1 Year Point-to-Point with Cap Rate | 4.80% | 6.00% |
Credit Suisse Momentum Index 1 Year with Trigger Rate | 4.00% | 5.50% |
Riders |
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Optional Riders and Costs | Rate Enhancement Rider: 0.95% fee |
The Credit Suisse Momentum index and “Credit Suisse”, and any trademarks, service marks and logos related thereto are service marks of Credit Suisse Group AG, Credit Suisse International, or one of their affiliates (collectively, “Credit Suisse”). Credit Suisse has no relationship to Sentinel Security Life Insurance Company, other than certain hedging arrangements and the licensing of the Credit Suisse Momentum index and its service marks for use in connection with the Accumulation Protector PlusSM Annuity, and is not a party to any transaction contemplated hereby.