Personal Choice Annuity

If you’re looking for an annuity designed to be flexible to your needs, look no further! Sentinel’s Personal Choice Annuity was created with customization in mind, offering multiple options and features to accomplish your financial goals.

Many similar annuities available on the market require you to take options and benefits that you don’t want or need, which in turn lowers your interest rate. With the Personal Choice Annuity, all of our features, known as riders, are available a la carte, allowing you to only select the features you truly need. This in turns helps you receive the highest return possible from your annuity. 

Additional Personal Choice Annuity Features:
With Sentinel’s Personal Choice Annuity, the choice is yours!
* Riders are not available in all states. Please contact an agent for more information

Personal Choice Annuity Rates

Effective 01/10/2024

  All Other CA* FL* MN**
3 Year (Rate) 5.90% 5.40% 5.60% 5.60%
5 Year (Rate) 5.75% 5.30% 5.50% 5.45%
7 Year (Rate) 5.60% 5.30% 5.50% 5.30%
10 Year (Rate) 5.45% 5.15% 5.35% 4.95%
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

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.

All Owners age 86-90 are required to purchase the Death Benefit Rider in all states except California and Florida.
* All California and Florida contracts are required to issue with the Death Benefit Feature, which is priced into the rates.
**Minnesota contracts do not include a Market Value Adjustment (MVA).
Nursing Home Rider/Terminal Illness Rider Not Available in California, Florida, and Pennsylvania.


Personal Choice Annuity Rates

Effective 7/11/2022

All OtherCA, FLMN
5 Year (Rate)4.50%4.40%4.20%
7 Year (Rate)4.55%4.45%4.25%
10 Year (Rate)4.60%4.50%4.10%

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.

Retirement planning can be difficult and confusing, often making you feel left in the dark to find the right path. Seeing this need, Sentinel has worked to light the way to greater financial security for individuals and families since 1948.

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