Protection is the cornerstone of the Accumulation Protector PlusSM Annuity. Whether the market goes up, down, or remains the same, your principal is guaranteed not to decrease** due to market performance and is protected through the APP’s Fixed and Indexed Accounts.
The APP gives you exclusive access to the CS Momentum Index, the CS ESG Macro 5 Index, the well-established Standard and Poor’s Composite Stock Price Index (“S&P 500®” Index), and a Fixed Account that provides a guaranteed rate of return. The CS Momentum Index, the CS ESG Macro 5 Index, S&P 500® Index and the Fixed Account provide opportunities to accumulate wealth over time.
*** The APP Annuity’s Participation Rates for the CS Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date.
**** The APP Annuity’s Participation Rates for the CS ESG Macro 5 Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date.
The APP gives you exclusive access to the Credit Suisse Momentum Index, the well-established Standard and Poor’s Composite Stock Price Index (“S&P 500®” Index), and a Fixed Account that provides a guaranteed rate of return. The Credit Suisse Momentum Index, S&P 500® Index and the Fixed Account provide opportunities to accumulate wealth over time.
The APP Annuity’s Participation Rates for the Credit Suisse Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date.***
Not everyone has the same financial goals, nor the same time horizon for achieving those goals. It is because of these different objectives that Flexibility is another key component of the Accumulation Protector PlusSMAnnuity. This annuity offers a diversified set of fixed and indexed crediting strategies with 1, 2 or 3 year periods that allow you and your advisor to choose the accounts and periods that most align with your goals. Additionally, you can adjust the allocations on the policy anniversary, coinciding with the end of the crediting period, to continue to meet your changing needs.
Achieve greater financial confidence and achieve the goals you have set for your lifestyle, retirement income and legacy by taking advantage of the flexible options provided by the Accumulation Protector PlusSM Annuity. These strategies were created to help protect what you have worked hard for and provide opportunities to accumulate wealth, so you can rest easy in retirement knowing you are preserving the legacy you have built.
Effective 9/25/2023
Premium Bonus | |||
---|---|---|---|
Base Contract | 10.00% | ||
With Rate Enhancement Rider | 10.00% | ||
Interest Rate Guarantees | |||
No Rider | Rate Enhancement Rider | ||
1st Year Fixed Rate | 4.75% | 5.70% | |
Current Rate Guarantee | 1 Year | 1 Year | |
Other Guarantees |
****The Participation Rates for the CS Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Sentinel Security Life Insurance Company continues to have access to the CS Momentum Index. *****The Participation Rates for the CS ESG Macro 5 Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Sentinel Security Life Insurance Company continues to have access to the CS ESG Macro 5 Index. |
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Indexing | |||
Index/Benchmark | S&P 500®, CS Momentum Index, and CS ESG Macro 5 Index | ||
No Rider | Rate Enhancement Rider | ||
Trigger Rate | CS Momentum Index 1 Year with Trigger Rate | 9% | 11% |
Participation Rates | CS Momentum Index 1 Year Point-to-Point with Participation Rate**** | 210% | 260% |
CS Momentum Index 2 Year Point-to-Point with Participation Rate**** | 320% | 385% | |
CS Momentum Index 3 Year Point-to-Point with Participation Rate | 465% | 550% | |
CS ESG Macro 5 Index 1 Year Point-to Point with Participation Rate***** | 210% | 260% | |
CS ESG Macro 5 Index 2 Year Point-to Point with Participation Rate***** | 320% | 385% | |
CS ESG Macro 5 Index 3 Year Point-to Point with Participation Rate | 465% | 550% | |
S&P 500® 1 Year Point-to-Point with Participation Rate | 43% | 55% | |
S&P 500® 2 Year Point-to-Point with Participation Rate | 60% | 75% | |
Caps | S&P 500® 1 Year Point-to-Point with Cap Rate | 10% | 12.25% |
Riders | |||
Optional Riders and Costs | Rate Enhancement Rider: 0.95% fee |
Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Products, features, and riders may not be available in all jurisdictions. Refer to the policy for all terms and conditions. All Guarantees are based on the claims-paying ability of Sentinel Security Life Insurance Company.
The CS Momentum Index, the CS ESG Macro 5 Index (the “Indices”), 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, “CS”). CS has no relationship to Sentinel Security Life Insurance Company, other than the licensing of the CS Momentum Index and the CS ESG Macro 5 Index and its service marks for use in connection with the Accumulation Protector PlusSM Annuity and certain hedging arrangements and is not a party to any transaction contemplated hereby. CS shall not be liable for the results obtained by using, investing in, or trading the Accumulation Protector PlusSM Annuity. CS has not created, published or approved this document and accepts no responsibility or liability for its contents or use. Obligations to make payments under the Accumulation Protector PlusSM Annuity are solely the obligation of Sentinel Security Life Insurance Company and are not the responsibility of CS.
There is currently no universal definition or exhaustive list defining the issues or factors that are covered by the concept of “ESG” (Environmental, Social, Governance). CS’s view of ESG is based solely on CS’s current opinions, assumptions, and interpretations, which may evolve over time and are subject to change.
MSCI Indices are the exclusive property of MSCI Inc. (“MSCI”). MSCI and the MSCI index names are service mark(s) of MSCI or its affiliates and have been licensed for use for certain purposes by CS. The financial product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to such financial product. The annuity contract or other governing disclosure document contains a more detailed description of the limited relationship MSCI has with CS and any related financial product. No purchaser, seller or holder of this financial product, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote this financial product without first contacting MSCI to determine whether MSCI’s permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI.
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 |
Effective 06/13/2022
Premium Bonus |
---|
Base Contract | 5.00% |
With Rate Enhancement Rider | 5.00% |
Interest Rate Guarantees |
---|
No Rider | Rate Enhancement Rider |
1st Year Fixed Rate | 2.85% | 3.70% |
Current Rate Guarantee | 1 Year | 1 Year |
Other Guarantees | *** The Participation Rates for the Credit Suisse Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Sentinel Security Life Insurance Company continues to have access to the Credit Suisse Momentum Index. |
Indexing |
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No Rider | Rate Enhancement Rider |
Credit Suisse Momentum Index 1 Year Point-to-Point with Participation Rate*** | 115% | 160% |
Credit Suisse Momentum Index 2 Year Point-to-Point with Participation Rate*** | 175% | 235% |
Credit Suisse Momentum Index 3 Year Point-to-Point with Participation Rate | 210% | 300% |
S&P 500® 1 Year Point-to-Point with Participation Rate | 32% | 42% |
S&P 500® 2 Year Point-to-Point with Participation Rate | 45% | 60% |
S&P 500® 1 Year Point-to-Point with Cap Rate | 5.00% | 6.75% |
Credit Suisse Momentum Index 1 Year with Trigger Rate | 5.00% | 6.50% |
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.