Personal Choice Annuity
Sentinel Security Life
6.25%
5-yr guarantee
10%
Free W/D
35
States
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Lead-term guaranteed rate
6.25% guaranteed for 5 years
A multi-year guaranteed annuity from Sentinel Security Life sold across multiple guarantee-period lengths with rates segmented by premium band, an annual free-withdrawal allowance at the upper end of the MYGA range, a cash-surrender-value death benefit, and availability in a limited subset of US jurisdictions.
Best fit
Safety-first buyers who want a known, contractually guaranteed annual rate for a defined number of years, want to choose among multiple guarantee-period lengths and read whether their premium band qualifies for a different rate, value a meaningful annual free-withdrawal allowance against the lockup, can commit principal across the full surrender period, and are comfortable underwriting a below-A-bracket carrier after reviewing state-guaranty-association coverage in their state.
AM Best
B Fair
Surrender period
8 years
Free withdrawal
10%/yr
Availability
35 states
Product analyst notes
How to think about this contract
Why it can stand out
- Published guaranteed rates across multiple distinct guarantee-period lengths spanning short, mid, and long terms, so a buyer can match the rate-lock window to a real planning horizon rather than be funneled into a single term.
- Published rates are also segmented by premium band, so a larger-premium buyer can read whether the carrier publishes a different rate at their funding level rather than receiving a single blended quote.
- The annual free-withdrawal allowance sits at the upper end of the MYGA range, giving meaningful penalty-free liquidity each year against the surrender schedule.
- The contract supports both qualified and non-qualified premium and single or joint ownership and annuitization under the same filing, so most ownership and eventual-payout structures fit inside this one product.
What to confirm
- Sentinel Security Life sits below the A-bracket where most large MYGA carriers are rated. A buyer locking principal for the full guarantee period should weigh the rate against the carrier financial-strength view and check state-guaranty-association coverage limits in their state of residence.
- The surrender period runs longer than the typical short-term MYGA lockup — the schedule remains in effect well past the lead guarantee period a buyer might choose. An unplanned early exit beyond the annual free-withdrawal allowance carries a real cost for several years after the rate-lock window ends.
- The death benefit is the cash surrender value rather than full account value at issue ages within the published range — there is no roll-up, step-up, or premium bonus credited to the death benefit, so a buyer comparing legacy mechanics with another MYGA should read the death-benefit line on this page rather than assume parity.
- The filing is offered in a limited 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 insist on an A-bracket carrier, buyers who need short-window liquidity beyond the annual free-withdrawal allowance, buyers who want market-linked upside or a guaranteed-lifetime-income rider, buyers who want a roll-up or step-up death benefit, or buyers who live in a state where this filing is not offered.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 6% |
| 5-Year | 6.25% |
| 7-Year | 6.25% |
| 10-Year | 6.25% |
Key Features
Death benefit
Cash Surrender Value DB Issue Ages 0-85Beneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
Yr 6
3%
Yr 7
2%
Yr 8
1%
After
0%
Carrier Ratings
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