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Retirement Plus Multiplier®Annuity

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The Retirement Plus Multiplier® Annuity is a fixed indexed annuity designed to help you prepare for your financial future by providing greater earnings potential than fixed rate options. Your annuity’s growth is tax-deferred, which means you do not pay taxes on the interest earned until you make a withdrawal.
You may elect to allocate your funds among several index crediting strategies and a fixed rate option. Index crediting strategies will grow along with the market, and credits are applied to your contract’s accumulation value subject to either a percentage cap or a participation rate.
Even when market performance drops, your money is protected. The guaranteed interest rate is 0%, so if the market stays flat or goes down, your credited gains are protected from loss.
  • Participate in potential market index growth
  • Protect accumulation value from market loss
  • Provide retirement income for your lifetime
  • Choose from a variety of options to best fit your financial needs

Riders

GROWTH BENEFIT

Accumulation Buy Up Rider
If accumulation is your main priority, this rider increases the growth potential of your annuity’s index accounts. When you purchase this rider, the participation and cap rates are increased so your annuity benefits from more of the market’s positive performance. You will still have the benefit of a 0% guaranteed minimum crediting rate.
  • Potential for better growth with higher index account caps and participation rates

INCOME MULTIPLIER

Guaranteed Lifetime Withdrawal Rider (GLWB)
Maximize the potential income from your annuity with this rider. This optional benefit will enhance your potential income, which you’ll never outlive, even after all your accumulation value has been withdrawn.
  • Generate a stream of income for life
  • Income enhancing bonus of up to 100% of your initial investment

S&P 500® Index

Comprised of 500 major companies representing leading industries of the U.S. economy.
  • One-year crediting period with participation rate
  • One-year crediting period with cap
  • Two-year crediting period with participation rate

Goldman Sachs Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC

Comprised of companies concentrated in the healthcare and real estate sectors that may benefit from serving a growing aging population.
  • One-year crediting period with participation rate
  • Two-year crediting period with participation rate
  • Three-year crediting period with participation rate
To learn more about this index, see the Goldman Sachs Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC page.

Goldman Sachs Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC

As Baby Boomers age, seniors make up an increasingly large portion of Americans, resulting in a long-term increased demand for products and services geared towards managing seniors’ health and lifestyle.

Read More
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.

Goldman Sachs Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC

As Baby Boomers age, seniors make up an increasingly large portion of Americans, resulting in a long-term increased demand for products and services geared towards managing seniors’ health and lifestyle.

Read More
Download Our Brochure

The Retirement Plus MultiplierSM Annuity is a fixed indexed annuity designed to help you prepare for your financial future by providing greater earnings potential than fixed rate options. Your annuity’s growth is tax-deferred, which means you do not pay taxes on the interest earned until you make a withdrawal.

You may elect to allocate your funds among several index crediting strategies and a fixed rate option. Index crediting strategies will grow along with the market, and credits are applied to your contract’s accumulation value subject to either a percentage cap or a participation rate.
Even when market performance drops, your money is protected. The guaranteed interest rate is 0%, so if the market stays flat or goes down, your credited gains are protected from loss.
  • Participate in potential market index growth
  • Protect accumulation value from market loss
  • Provide retirement income for your lifetime
  • Choose from a variety of options to best fit your financial needs

Riders

GROWTH BENEFIT

Accumulation Buy Up Rider
If accumulation is your main priority, this rider increases the growth potential of your annuity’s index accounts. When you purchase this rider, the participation and cap rates are increased so your annuity benefits from more of the market’s positive performance. You will still have the benefit of a 0% guaranteed minimum crediting rate.
  • Potential for better growth with higher index account caps and participation rates

INCOME MULTIPLIER

Guaranteed Lifetime Withdrawal Rider (GLWB)
Maximize the potential income from your annuity with this rider. This optional benefit will enhance your potential income, which you’ll never outlive, even after all your accumulation value has been withdrawn.
  • Generate a stream of income for life
  • Income enhancing bonus of up to 100% of your initial investment

S&P 500™ Index

Comprised of 500 major companies representing leading industries of the U.S. economy.
  • One-year crediting period with participation rate
  • One-year crediting period with cap
  • Two-year crediting period with participation rate

Goldman Sachs Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC

Comprised of companies concentrated in the healthcare and real estate sectors that may benefit from serving a growing aging population.
  • One-year crediting period with participation rate
  • Two-year crediting period with participation rate
  • Three-year crediting period with participation rate
To learn more about this index, see the Goldman Sachs Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC page.
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.

Retirement Plus Multiplier® Annuity Rates

Effective 9/8/2023

Fixed Rate
1st Year Rate 4.50%
Current Rate Guarantee 1 Yr
 
Goldman Sachs Aging of America Dynamic Balance Index
Index Crediting Strategy No Rider Growth Rider Income Multiplier
1-year with point-to-point participation rate 150% 200% 150%
2-year with point-to-point participation rate 200% 275% 200%
3-year with point-to-point participation rate 250% 350% 250%
 
S&P 500®
Index Crediting Strategy No Rider Growth Rider Income Multiplier
1-year with point-to-point participation rate 50% 60% 50%
1-year with point-to-point caps 9.65% 13% 9.65%
2-year with point-to-point participation rate 60% 75% 60%
 
Rider Fees
Surrender Periods 5 Year 7 Year 10 Year
Growth Rider 1.25% 1.25% 1.25%
Income Multiplier 0.95% 0.95% 0.95%

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 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.

The “S&P 500®” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Sentinel Security Life Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Sentinel Security Life Insurance Company. Retirement Plus Multiplier® is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500®.

 

Retirement Plus Multiplier® Annuity Rates

Effective 06/20/2022

Fixed Rate
1st Year Rate2.70%
Current Rate Guarantee1 Yr
Goldman Sachs Aging of America Dynamic Balance Index
Index Crediting StrategyNo RiderGrowth RiderIncome Multiplier
1-year with point-to-point participation rate90%135%90%
2-year with point-to-point participation rate140%200%140%
3-year with point-to-point participation rate180% 300% 180%
S&P 500®
Index Crediting StrategyNo RiderGrowth RiderIncome Multiplier
1-year with point-to-point participation rate30%42%30%
1-year with point-to-point caps4.50%6.50%4.50%
2-year with point-to-point participation rate40%60%40%
Rider Fees
Surrender Periods5 Year7 Year 10 Year
Growth Rider1.25%1.25%1.25%
Income Multiplier0.95% 0.95% 0.95%

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.

The “S&P 500®” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Sentinel Security Life Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Sentinel Security Life Insurance Company. Retirement Plus Multiplier®  is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500®.

Goldman Sachs Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC

As Baby Boomers age, seniors make up an increasingly large portion of Americans, resulting in a long-term increased demand for products and services geared towards managing seniors’ health and lifestyle.
Read More
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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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