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Fixed Indexed Annuity

Guaranteed Income Annuity

Sentinel Security Life

10%

Free W/D

34

States

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

Fixed declared rate (Year 1)

3% fixed account

A long-surrender fixed indexed annuity from Sentinel Security Life built around a fixed declared-rate sleeve and a single SOFR-linked participation-rate strategy with a premium bonus credited at issue and a Legacy Benefit Rider as the death-benefit feature — and despite its 'Guaranteed Income' name, no optional GLWB rider or built-in income chassis in the live filing.

Declared rateAdvisorWorld + CANNEX data

Best fit

Buyers who want a declared-rate accumulation sleeve plus a single non-equity participation alternative inside one FIA contract, value a premium bonus credited at issue and a legacy-oriented death-benefit feature, can commit principal across the full surrender period, and accept a below-A-bracket carrier.

AM Best

B Fair

Surrender period

10 years

Free withdrawal

10%/yr

Availability

34 states

Featured crediting strategies

Index / strategyRate mechanics

Fixed Account

Fixed Account

3% declared rate

+ 1 volatility-controlled index option (United States)

Lifetime Income Riders

Income rider

Guaranteed Withdrawal Benefit Rider

RMD friendly
Lifetime payout rate4.8% lifetime payout
Annual rider fee1.25% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • The contract publishes a premium bonus credited at issue on top of premium, hedging the long surrender commitment for a buyer who may need to walk away before crediting has compounded.
  • A Legacy Benefit Rider is published on the contract as the death-benefit feature, an explicitly legacy-oriented mechanism rather than the bare cash-surrender-value death benefit that comes by default on most FIAs.
  • The annual free-withdrawal allowance sits at the upper end of the FIA range, giving meaningful penalty-free liquidity each year against the long surrender lockup.
  • The contract supports both qualified and non-qualified premium and single or joint annuitization under the same filing, so most ownership and eventual-payout structures fit inside this one product.

What to confirm

  • Despite the 'Guaranteed Income' product name, the live data publishes no optional GLWB rider and no built-in Protected Income Value chassis on this filing — there is no contractually guaranteed lifetime withdrawal rate to read off this product. Buyers shopping a rate-of-income comparison are looking at the wrong contract.
  • The crediting menu is narrow for an FIA: one fixed declared-rate sleeve and one participation-rate strategy linked to the SOFR overnight-funding rate, with no recognizable equity-index annual point-to-point cap. A buyer expecting an S&P 500-style cap as their like-for-like comparison line will not find one on this filing.
  • The premium bonus is credited subject to the contract's published vesting and recapture rules, so the headline bonus is not money in a buyer's pocket on day one — confirm the vesting schedule and any state-specific bonus variations before treating the bonus as immediately liquid.
  • Carrier financial-strength rating from A.M. Best sits below the A-bracket baseline that most national-brand FIAs carry, and the surrender lockup runs the full filing term — weigh carrier strength and lockup length together before committing.

Not ideal for

Buyers expecting a contractually guaranteed lifetime withdrawal rate (this contract has no GLWB rider in the data), buyers who want a recognizable S&P 500 cap as their crediting comparison line, buyers who need a plain MYGA-style declared rate without bonus or surrender complexity, buyers who insist on an A-bracket carrier, or buyers who need short-window liquidity beyond the annual free-withdrawal allowance.

All crediting strategies

View rate listings (4 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 55% · M

United States SOFR Secured Overnight Financing Rate

monthly_avg_participation

10-yr surrender

Fixed: 3% · 1-yr

Fixed Account

Par: 55% · M

United States SOFR Secured Overnight Financing Rate

Income riders

Income rider

Guaranteed Lifetime Withdrawal Benefit Rider

RMD friendly
Lifetime withdrawal rate4.8%
Annual rider fee1.25%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 85
Joint availabilityJoint life

GLWB

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Premium bonus

10%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Legacy Benefit Rider

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.40%

Strategy guarantee

Minimum guaranteed participation: 10.00%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

SSLGIABR-OT-062923.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestB

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Guaranteed Income Annuity currently shows 2 distinct indexed or fixed crediting choices across 4 current rate listings, including Fixed Account, with 1 volatility-controlled index option grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • Fixed Account: 3% fixed

Income rider language

What to look for before treating the rider as income

Guaranteed Lifetime Withdrawal Benefit Rider is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.8% withdrawal rate
  • 1.25% rider fee
  • RMD friendly
  • Joint life availability

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as SSLGIABR-OT-062923.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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