Fixed Indexed Annuity
Accumulation Protector Plus Annuity
Sentinel Security Life · AM Best B
4.0/5
S&P 500 annual cap
8%
CANNEX via AdvisorWorld · as of June 22, 2026
DB-backed product comparison
Accumulation Protector Plus Annuity vs F&G SecureIncome® 7
Decision-first comparison using current product data, carrier backing, review ratings, liquidity, surrender terms, rider mechanics, and sourced disclosures.
Live CANNEX-backed data via AdvisorWorld. Each figure below carries its source and as-of timing.
View product page
VS
Fixed Indexed Annuity
F&G SecureIncome® 7
Fidelity and Guaranty · AM Best A
4.5/5
S&P 500 annual cap
4.75%
CANNEX via AdvisorWorld · as of June 22, 2026
Auto-verdict
Accumulation Protector Plus Annuity leads on top annual cap, participation rate, performance trigger; F&G SecureIncome® 7 leads on carrier strength, liquidity, surrender period. This compares current accumulation metrics and is not a personalized recommendation.
- On top annual cap, Accumulation Protector Plus Annuity has the higher figure (8% cap · S&P 500 · 1-yr point-to-point vs 4.75% cap · S&P 500 · 1-yr point-to-point); F&G SecureIncome® 7 is lower.
- On participation rate, Accumulation Protector Plus Annuity has the higher figure (54% participation · S&P 500 · annual vs 30% participation · S&P 500 · annual); F&G SecureIncome® 7 is lower.
- On performance trigger, Accumulation Protector Plus Annuity has the higher figure (11% trigger · CS Momentum Index · annual vs 3.75% trigger · S&P 500 · annual); F&G SecureIncome® 7 is lower.
- On carrier strength, F&G SecureIncome® 7 has the higher figure (A AM Best vs B AM Best); Accumulation Protector Plus Annuity is lower.
- On liquidity, F&G SecureIncome® 7 has the higher figure (10%/yr free withdrawal vs 5%/yr free withdrawal); Accumulation Protector Plus Annuity is lower.
- On surrender period, F&G SecureIncome® 7 has the lower figure (7 years surrender period vs 10 years surrender period); Accumulation Protector Plus Annuity is higher.
Auto-generated from live data, accumulation metrics only, not a recommendation.
Live side by side
Compare on the numbers
Only metrics that apply to this product type are shown. Missing applicable values show unavailable.
| Metric | Accumulation Protector Plus Annuity | F&G SecureIncome® 7 |
|---|---|---|
| Top annual capAnnual point-to-point cap; S&P 500 preferred when the live strategy set includes it. | 8% cap · S&P 500 · 1-yr point-to-pointLeading CANNEX via AdvisorWorld · as of June 22, 2026 | 4.75% cap · S&P 500 · 1-yr point-to-point CANNEX via AdvisorWorld · as of June 22, 2026 |
| Top participation rateAnnual participation strategy; not ranked against cap rates. | 54% participation · S&P 500 · annualLeading CANNEX via AdvisorWorld · as of June 22, 2026 | 30% participation · S&P 500 · annual CANNEX via AdvisorWorld · as of June 22, 2026 |
| Performance triggerAnnual trigger strategy returned by the live FIA strategy feed. | 11% trigger · CS Momentum Index · annualLeading CANNEX via AdvisorWorld · as of June 22, 2026 | 3.75% trigger · S&P 500 · annual CANNEX via AdvisorWorld · as of June 22, 2026 |
| Fixed account rateFixed account strategy when returned by the live feed. | 4.95% fixed accountLeading CANNEX via AdvisorWorld · as of June 22, 2026 | 3% fixed account CANNEX via AdvisorWorld · as of June 22, 2026 |
| AM Best ratingCarrier financial strength from the live product/rating feed when available. | B AM Best CANNEX via AdvisorWorld · as of June 22, 2026 | A AM BestLeading CANNEX via AdvisorWorld · as of June 22, 2026 |
| Free withdrawalAnnual free-withdrawal percentage returned in product detail. | 5%/yr free withdrawal CANNEX via AdvisorWorld · as of June 22, 2026 | 10%/yr free withdrawalLeading CANNEX via AdvisorWorld · as of June 22, 2026 |
| Surrender periodShorter surrender period is highlighted as more flexible. | 10 years surrender period CANNEX via AdvisorWorld · as of June 22, 2026 | 7 years surrender periodLeading CANNEX via AdvisorWorld · as of June 22, 2026 |
| Annual feeHighest annual rider or strategy fee returned; lower is highlighted. | No annual fee returnedLeading CANNEX via AdvisorWorld · as of June 22, 2026 | 1.15% max annual rider/strategy fee CANNEX via AdvisorWorld · as of June 22, 2026 |
| Income riderAvailability only; rider fit depends on payout, cost, and goals. | No income rider returned CANNEX via AdvisorWorld · as of June 22, 2026 | 1 income rider returnedLeading CANNEX via AdvisorWorld · as of June 22, 2026 |
| Minimum premiumLower minimum premium is highlighted as easier to access. | unavailable CANNEX via AdvisorWorld · as of June 22, 2026 | unavailable CANNEX via AdvisorWorld · as of June 22, 2026 |
Scenario tool
Which one credits more in one index year?
Head-to-head crediting
Applies each product's live annual strategy rate to one hypothetical index year.
Accumulation Protector Plus Annuity
S&P 500 annual cap · 8% annual cap
F&G SecureIncome® 7
S&P 500 annual cap · 4.75% annual cap
At a +15% index year, the credited-interest illustration is:
Accumulation Protector Plus Annuity8%
F&G SecureIncome® 74.75%
Accumulation Protector Plus Annuity credits more here (8% vs 4.75%).
Assumptions: one hypothetical index year, one allocation to the displayed annual strategy for each product, and a 0% floor. Caps, trigger rates, participation rates, renewal rates, allocations, and state availability can change. This is educational only and is not a carrier-approved illustration.
Illustrative tool inputs use live product figures from CANNEX via AdvisorWorld · as of June 22, 2026.
Review-backed context
What the reviews say about each product
Linked review
Accumulation Protector Plus Annuity
4.0/5
CFA take
“The Sentinel Accumulation Protector Plus is more of an accumulation-focused FIA designed for investors who are comfortable trading some insurer strength and simplicity for potentially stronger upside features. What stands out most is the combination of the upfront premium bonus, long-term guaranteed participation rates on certain proprietary indices, and the optional Rate Enhancement Rider, which meaningfully boosts participation and trigger rates. In favorable market environments, especially with the Momentum Index and Diversified Macro 5 strategies, the product has the potential to generate stronger index credits than many traditional FIAs. That said, investors should also understand the trade-offs involved. The attractive bonus and enhanced crediting rates are partially offset by a 10-year surrender schedule, rider costs, and relatively lower AM Best rating relative to major annuity carriers. Overall, I would view this product as best suited for accumulation-oriented investors seeking higher growth potential within the FIA space and who are comfortable with more complex proprietary index exposure and a slightly higher risk-reward tradeoff profile.”
“Discover the features and suitability of the Sentinel Security Life Accumulation Protector Plus Annuity for your retirement needs.”
Attributed to AnnuityRatesHQ Editorial Team.
Read the full reviewLinked review
F&G SecureIncome® 7
4.5/5
“In-depth review of the F&G SecureIncome FIA: rates, fees, surrender charges, riders, and how the EGMWB delivers guaranteed lifetime income.”
Attributed to Nikhil Bhauwala.
Read the full reviewCommon questions
Decision FAQs from the same numbers
Is Accumulation Protector Plus Annuity or F&G SecureIncome® 7 better for growth?
On top annual cap, Accumulation Protector Plus Annuity has the higher figure (8% cap · S&P 500 · 1-yr point-to-point vs 4.75% cap · S&P 500 · 1-yr point-to-point); F&G SecureIncome® 7 is lower. On participation rate, Accumulation Protector Plus Annuity has the higher figure (54% participation · S&P 500 · annual vs 30% participation · S&P 500 · annual); F&G SecureIncome® 7 is lower. On performance trigger, Accumulation Protector Plus Annuity has the higher figure (11% trigger · CS Momentum Index · annual vs 3.75% trigger · S&P 500 · annual); F&G SecureIncome® 7 is lower.
Is Accumulation Protector Plus Annuity or F&G SecureIncome® 7 better for income?
On income rider availability, F&G SecureIncome® 7 has rider data returned (1 income rider returned vs No income rider returned). Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.
Is Accumulation Protector Plus Annuity or F&G SecureIncome® 7 better for liquidity?
On liquidity, F&G SecureIncome® 7 has the higher figure (10%/yr free withdrawal vs 5%/yr free withdrawal); Accumulation Protector Plus Annuity is lower. On surrender period, F&G SecureIncome® 7 has the lower figure (7 years surrender period vs 10 years surrender period); Accumulation Protector Plus Annuity is higher. On annual fee, Accumulation Protector Plus Annuity has the lower figure (No annual fee returned vs 1.15% max annual rider/strategy fee); F&G SecureIncome® 7 is higher.
How to read this comparison
Compare the product job, not just one number.
Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.
Rate context
Caps, participation rates, triggers, and fixed buckets show how each FIA creates accumulation potential.
Control
Free-withdrawal and surrender terms are visible because liquidity can be worth as much as a small rate difference.
Carrier backing
Guarantees are backed by the issuing insurer, so carrier ratings and product availability belong next to the rate table.
Disclosures and sources
Live product figures are sourced from CANNEX via the AdvisorWorld public API and are labeled with source and as-of timing. Product-type-specific rows are shown only when they apply; missing applicable values show unavailable and are not backfilled with stale figures.
The verdict is auto-generated from live accumulation metrics only and is not a recommendation. The crediting and guaranteed-growth tools are illustrative, use the stated assumptions, and are not projections, quotes, or carrier-approved illustrations.
Rates vary by state, premium band, and issue age. Caps and participation rates can change. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.
Use the comparison as a starting point.
Then go back to the main rate pages to see the broader market, or run the whole-income comparison when income guarantees are the question.
Want a personalized version?
Use the public comparison freely. A personalized report is optional when you want projections based on your age, state, premium, and goals.
Optional report request