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.
Run live numbers on Sentinel Security Life products
Choose a product type, then select a current product. The analyzer shows the values returned for your premium, age, state, and timing, and leaves out fields that are not published for that selection.
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
Sentinel Security Life’s lineup, grouped by what each product group is built to do. Current rates are pulled from the daily carrier rate service.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
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.
S&P 500 annual cap
8%
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.
S&P 500 annual cap
4.1%
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.
S&P 500 annual cap
5.95%
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.
S&P 500 annual cap
2.5%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-06-30. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Find your fit
Start with the job for the money, then open the live Sentinel product page that matches that goal.
How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
4.7%
Base-growth terms
Not published
no roll-up or income-base bonus returned
Annual fee
0.95%
benefit charge
Premium
$100,000
Income calculation value
$100,000
Annual lifetime income
$4,700
Shows this income option’s 4.7% guaranteed lifetime withdrawal rate applied to your premium. Current data did not publish a separate income-base roll-up or income-base bonus for this option — confirm base-growth terms in a carrier illustration.
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 · ARHQ carrier coverage; Sentinel research packet
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 · ARHQ carrier coverage
On ARHQ, Sentinel product cards and the analyzer are intentionally live-data driven: the profile supplies story and context, while product availability, rates, riders, caps, and guaranteed terms come from CANNEX-backed feeds.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Scale, labeled
Founded
1948
More than 75 years of operating history.
Founded 1948 · Sentinel research packet
Headquarters
Salt Lake City, UT
Headquartered in Salt Lake City, Utah.
June 2026 packet · Sentinel research packet
Group
A-CAP
Member of the A-CAP (Atlantic Coast Life) group of companies.
Checked 2026-06-20 · ARHQ carrier coverage
Distribution
Independent agents
Competes through specialized retirement products and independent-agent distribution.
June 2026 packet · Sentinel research packet
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 · Sentinel research packet
Over more than 75 years, the company expanded into annuities, life insurance, and supplemental health products.
June 2026 packet · Sentinel research packet
Sentinel operates as a member of the A-CAP group of companies.
Checked 2026-06-20 · ARHQ carrier coverage
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 · Sentinel research packet
The company expanded over time into annuities, life insurance, Medicare-related products, and retirement solutions.
June 2026 packet · Sentinel research packet
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 · ARHQ carrier coverage
Financial strength
AM Best
CurrentB
Financial-strength rating in the B range, under review with negative implications.
Checked 2026-06-20
ARHQ carrier coverage; Sentinel research packet · current rating check
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 · ARHQ carrier coverage
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 · ARHQ carrier coverage; Sentinel research packet
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.
At render · ARHQ product catalog; CANNEX via AdvisorWorld
Names that need product-page reading
Some product names are income- or guarantee-suggestive; for example the Guaranteed Income Annuity has no built-in GLWB in the live filing, so the product page should decide the contract's actual mechanics.
At render · ARHQ product catalog; CANNEX 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 · ARHQ carrier coverage; Sentinel research packet
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 · Sentinel research packet; ARHQ carrier coverage
On ARHQ, Sentinel product pages stay product-specific: some names overlap with other carriers and some are income-suggestive, so the product ID, carrier name, and rider rows on the product page govern.
At render · ARHQ carrier-page architecture; CANNEX 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
- Sentinel Security Life research packet - overview, ownership, history, ratings, scale, and product architecture — June 2026 packet
- Live product catalog, rates, ratings confirmation, riders, and strategy metrics: CANNEX via AdvisorWorld public API — At render