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 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.
*** 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.
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 |
Attributions and Disclaimers with Respect to Credit Suisse
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.