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Fixed Indexed Annuity

Personal Choice Plus+ Annuity

Sentinel Security Life

4.1%

Best Cap

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.

S&P 500 annual point-to-point cap rate

4.1% cap on S&P 500

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.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want a shorter FIA lockup than the typical long-surrender FIA filing, value a recognizable S&P 500 annual cap as their like-for-like comparison line, want explicit surrender-charge waivers for foreseeable health events, and accept a below-A-bracket carrier in exchange for the shorter surrender window and rate menu.

AM Best

B Fair

Free withdrawal

10%/yr

Availability

34 states

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.1% cap rate

S&P 500

S&P 500 Index

4.2% cap rate

S&P 500

S&P 500 Index

1.75% cap rate

Fixed Account

Fixed Account

3% declared rate

Product analyst notes

How to think about this contract

Why it can stand out

  • Surrender period is shorter than the long lockup most FIAs carry — buyers who balk at a full-length FIA commitment have a meaningfully shorter window inside the same product type.
  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap, giving this contract a clean like-for-like comparison line against any other FIA on this site, not just a proprietary index that resists side-by-side reading.
  • Nursing-home and terminal-illness surrender-charge waivers are published on the contract, so a buyer with a foreseeable health trigger has explicit waiver paths around the surrender schedule rather than relying only on the annual free-withdrawal allowance.
  • The annual free-withdrawal allowance sits at the upper end of the FIA range, giving meaningful penalty-free liquidity each year against the rate lock.

What to confirm

  • This is an accumulation-focused fixed indexed annuity. There is no optional lifetime-income rider attached in this data and no built-in Protected Income Value chassis — do not buy this contract for a guaranteed lifetime withdrawal; its job is index-linked growth, not income.
  • The S&P 500 cap is published on three cadences — annual point-to-point, monthly average, and monthly sum — on the same contract. A monthly cap looks different in absolute terms from an annual cap and is not a like-for-like comparison; read the cadence and crediting category column before reading the cap number.
  • Carrier financial-strength rating from A.M. Best sits below the A-bracket baseline that most national-brand FIAs carry, the surrender lockup runs the full filing term, and the death benefit pays a contract-defined value rather than full account value — weigh carrier strength, lockup length, and legacy mechanics together before committing.
  • State availability is a subset of US jurisdictions — confirm the buyer's state of residence on the state-availability section of this page before any planning work, because eligibility is not nationwide.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want a plain MYGA-style declared rate, require an account-value-based death benefit, demand a name-brand A-bracket carrier, or need short-window liquidity beyond the annual free-withdrawal allowance inside the lockup.

All crediting strategies

View rate listings (7 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.

Cap: 4.2% · 1-yr

S&P 500 Index

monthly_avg_cap

5-yr surrender

Cap: 4.1% · 1-yr

S&P 500 Index

cap

5-yr surrender

Cap: 1.75% · 1-yr

S&P 500 Index

monthly_sum_cap

5-yr surrender

Fixed: 3% · 5-yr

Fixed Account

fixed

5-yr surrender

Cap: 4.2% · 1-yr

S&P 500 Index

Cap: 4.1% · 1-yr

S&P 500 Index

Fixed: 3% · 5-yr

Fixed Account

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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

Death benefit

Death Benefit Feature

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

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.40%

Strategy guarantee

Minimum guaranteed participation: 100.00%

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

Surrender schedule not available for this product

A surrender-charge schedule was not returned for this product on this request. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

brochure

SSLPCPBR-OT062421-v2.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

Personal Choice Plus+ Annuity currently shows 4 distinct indexed or fixed crediting choices across 7 current rate listings, including S&P 500 Index and Fixed Account. 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.

  • S&P 500 Index: 4.1% cap
  • S&P 500 Index: 4.2% cap
  • S&P 500 Index: 1.75% cap

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
  • Nursing home waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as SSLPCPBR-OT062421-v2.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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