Current Rates

Personal Choice Annuity Rates

Effective 5/17/2023

  All Other CA* FL* MN**
3 Year (Rate) 5.40% 4.80% 5.00% 5.10%
5 Year (Rate) 5.45% 5.15% 5.35% 5.15%
7 Year (Rate) 5.45% 5.15% 5.35% 5.15%
10 Year (Rate) 5.25% 4.95% 5.15% 4.75%
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 Plus+ Rates

Effective 1/1/2023

  All Other CA, FL
5 Year Fixed (Rate) 2.75% 2.75%
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
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

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.

*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. 

Summit Bonus Index Rates

Effective 2/22/2021

Premium Bonus Base Contract - 7.00%
With Income Rider - 8.00%
Interest Rate Guarantees
1st Year Rate 1.50%
Current Rate Guarantee 1 Yr
Indexing
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
Optional Riders and Cost Income Rider - 1.05% 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.

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. 

 

Guaranteed Income Annuity Rates

Effective 6/1/2023

  10 Year
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 below 71
8.00% for issue ages 71-80
6.00% for issue ages 81-85
1st Year Rate 2.75% (with subsequent purchase premium)
Current Rate Guarantee 1 Yrs
Index/Benchmark SOFR
Participation Rates 55%
Optional Riders and Cost
GLWB Rider: 1.25% fee years 1-5
1.60% fee years 6-10
Legacy Benefit Rider: 1.25% fee years 1-5
1.60% fee years 6-10
Accumulation Rider: No Fee

The Secured Overnight Financing Rate (SOFR) data is calculated by using data obtained under license through application programming interface (API) issued by CME Group.

CME GROUP MARKET DATA IS USED UNDER LICENSE AS A SOURCE OF INFORMATION FOR CERTAIN SENTINEL SECURITY LIFE INSURANCE COMPANY PRODUCTS. CME GROUP HAS NO OTHER CONNECTION TO SENTINEL SECURITY LIFE INSURANCE PRODUCTS AND SERVICES AND DOES NOT SPONSOR, ENDORSE, RECOMMEND OR PROMOTE ANY SENTINEL SECURITY LIFE INSURANCE COMPANY PRODUCTS OR SERVICES. CME GROUP HAS NO OBLIGATION OR LIABILITY IN CONNECTION WITH SENTINEL SECURITY LIFE INSURANCE PRODUCTS AND SERVICES. CME GROUP DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF ANY MARKET DATA LICENSED TO SENTINEL SECURITY LIFE INSURANCE AND SHALL NOT HAVE ANY LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN CME GROUP AND SENTINEL SECURITY LIFE INSURANCE COMPANY.

 

Retirement Plus Multiplier® Annuity Rates

Effective 11/21/2022

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 140% 190% 140%
2-year with point-to-point participation rate 200% 250% 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 42% 55% 42%
1-year with point-to-point caps 8.75% 12% 8.75%
2-year with point-to-point participation rate 57% 75% 57%
 
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®.

 

 

Accumulation Protector PlusSM Annuity Rates

Effective 2/20/2023

Premium Bonus
Base Contract 5.00%
With Rate Enhancement Rider 5.00%
 
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.

 
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 9% 11.50%
 
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.

 

SENTINEL SECURITY LIFE INSURANCE COMPANY IS A MEMBER OF THE A-CAP FAMILY
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