Sentinel Security Life
A long-established Salt Lake City insurer founded in 1948 - specializing in annuities, life insurance, and supplemental health - and a member of the A-CAP (Atlantic Coast Life) group of companies.
Financial strength
B
AM Best
B (under review)
AM Best rating is in the B range and currently under review with negative implications.
A-CAP group
A member of the A-CAP (Atlantic Coast Life Insurance Company) group, sharing investment management and risk controls.
Salt Lake City, UT
Headquartered in Salt Lake City, Utah.
Founded 1948
Founded in 1948 by a group of Utah funeral directors; more than 75 years of operating history.
Retirement specialist
Competes through specialized retirement products and independent-agent distribution.
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Income FIAs
Selected product: Guaranteed Income Annuity
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
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Explore Sentinel Security Life products
Known Sentinel Security Life product pages, grouped by what each product group is built to do. Confirm current rates and availability in the analyzer or on the product page.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with product pages for checking caps, participation rates, and fixed-account options.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages are the place to check rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before checking a product page for current strategy details.
Accumulation Protector Plus Annuity
An accumulation-focused fixed indexed annuity from Sentinel Security Life built around a recognizable S&P 500 annual point-to-point cap plus participation-rate strategies on proprietary CS Momentum and CS ESG Macro 5 indexes on multiple crediting windows, with a premium bonus credited at issue and no lifetime-income rider in the live filing.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Personal Choice Plus Annuity
An accumulation-focused fixed indexed annuity from Sentinel Security Life with a shorter-than-typical surrender period, a recognizable S&P 500 annual point-to-point cap, parallel monthly-average and monthly-sum cap variants on the same index, a fixed declared-rate sleeve, and published nursing-home and terminal-illness waivers — with no lifetime-income rider in the design.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Retirement Plus Multiplier Annuity
An accumulation-focused fixed indexed annuity from Sentinel Security Life built around a recognizable S&P 500 annual point-to-point cap plus parallel S&P 500 participation strategies and multi-window participation-rate strategies on the proprietary Aging of America Index — with nursing-home, terminal-illness, and RMD waivers published on the contract and no lifetime-income rider in the design.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Summit Bonus Index
An accumulation-focused fixed indexed annuity from Sentinel Security Life built around a recognizable S&P 500 annual point-to-point cap plus monthly and averaging cap variants on the same index, a fixed declared-rate sleeve, a premium bonus credited at issue, and a published RMD waiver — with no lifetime-income rider in the design.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or on each product page.
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Find your fit
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Company overview
What Sentinel Security Life is
Sentinel Security Life Insurance Company, founded in 1948 and headquartered in Salt Lake City, Utah, is a long-established insurer specializing in annuities, life insurance, and supplemental health products.
Checked 2026-06-20 · AnnuityRatesHQ carrier research, June 2026
The company is a member of the A-CAP (Atlantic Coast Life Insurance Company) group, giving it access to shared financial resources, investment management, and risk controls across the group's nationwide operations.
Checked 2026-06-20 · AnnuityRatesHQ carrier research, June 2026
Sentinel Security Life groups its annuity offerings around families such as Accumulation Protector Plus, Summit Bonus Index, and Personal Choice Annuity.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Founded
1948
More than 75 years of operating history.
Founded 1948 · AnnuityRatesHQ carrier research, June 2026
Headquarters
Salt Lake City, UT
Headquartered in Salt Lake City, Utah.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Group
A-CAP
Member of the A-CAP (Atlantic Coast Life) group of companies.
Checked 2026-06-20 · AnnuityRatesHQ carrier research, June 2026
Distribution
Independent agents
Competes through specialized retirement products and independent-agent distribution.
June 2026 · AnnuityRatesHQ carrier research, June 2026
History highlights
Sentinel Mutual Insurance Company was founded in 1948 by a group of Utah funeral directors to help families with final-expense needs.
Founded 1948 · AnnuityRatesHQ carrier research, June 2026
Over more than 75 years, the company expanded into annuities, life insurance, and supplemental health products.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Sentinel operates as a member of the A-CAP group of companies.
Checked 2026-06-20 · AnnuityRatesHQ carrier research, June 2026
Funeral-director roots, A-CAP membership
Sentinel's origins date to 1948, when a group of Utah funeral directors formed Sentinel Mutual Insurance Company to help families address final-expense needs.
Founded 1948 · AnnuityRatesHQ carrier research, June 2026
The company expanded over time into annuities, life insurance, Medicare-related products, and retirement solutions.
June 2026 · AnnuityRatesHQ carrier research, June 2026
Sentinel is now a member of the A-CAP (Atlantic Coast Life) group, sharing infrastructure and investment management across the group.
Checked 2026-06-20 · AnnuityRatesHQ carrier research, June 2026
Financial strength
AM Best
B
Financial-strength rating in the B range, under review with negative implications.
Checked 2026-06-20
What makes Sentinel Security Life different
A-CAP group membership
Membership in the A-CAP group gives Sentinel access to shared investment management, risk controls, and infrastructure across the group's operations.
Checked 2026-06-20 · AnnuityRatesHQ carrier research, June 2026
Rating below industry leaders, under review
Sentinel's AM Best rating is in the B range and under review with negative implications, citing high reinsurance leverage and declining counterparty credit quality. Buyers should weigh the rating tier and review status against rate, surrender, and state guaranty-association limits.
Checked 2026-06-20 · AnnuityRatesHQ carrier research, June 2026
Customizable MYGA and bonus FIAs
Sentinel's lineup centers on a customizable Personal Choice MYGA series plus premium-bonus FIAs built on proprietary participation indexes.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Names that need product-page reading
Some product names suggest income or guarantees, but the available features still matter: for example, the current Guaranteed Income Annuity filing shows no built-in GLWB.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
About Sentinel Security Life
Sentinel Security Life Insurance Company, headquartered in Salt Lake City, Utah and founded in 1948, is a long-established insurer and a member of the A-CAP group, specializing in annuities, life insurance, and supplemental health products.
Checked 2026-06-20 · AnnuityRatesHQ carrier research, June 2026
Sentinel is not a household-name insurer; it competes through specialized retirement products and independent-agent distribution, and its AM Best rating is in the B range and under review, which buyers should weigh alongside rate and guaranty-association considerations.
Checked 2026-06-20 · AnnuityRatesHQ carrier research, June 2026
Sentinel offers bonus and accumulation FIAs such as Accumulation Protector Plus and Retirement Plus Multiplier, alongside Personal Choice fixed-rate annuities.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Sentinel Security Life's current rate report
Compare Sentinel Security Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Sentinel Security Life website — 2026-06-20
- AnnuityRatesHQ carrier research, June 2026 — June 2026
- Live product catalog, rates, ratings confirmation, riders, and strategy metrics: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026