Sentinel Security Life

Financial Ratings

A.M. Best B++Under Review

About Sentinel Security Life

Sentinel Security Life Insurance Company, founded in 1948 and headquartered in Salt Lake City, Utah, is a long-established U.S. insurer specializing in annuities, life insurance, and supplemental health products. 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.

Sentinel’s annuity lineup includes its flagship Personal Choice Annuity (a customizable MYGA series), Guaranteed Income Annuity, and Accumulation Protector products, which combine fixed rates with optional riders for liquidity or enhanced growth. The company’s focus is on principal protection, tax-deferred accumulation, and flexible design options tailored for retirement and income planning.

With a strong record of steady asset growth and financial stability, Sentinel is recognized for its personalized service, conservative investment approach, and efficient policyholder support through its parent group’s combined infrastructure.

Product Lineup

Guaranteed Income Annuity

Annuity

Guaranteed Income Annuity: Income, Legacy & Peace of Mind

Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider11% bonus, 8.5% roll-up for 10 years, 1.25%–1.60% annual fee

Legacy Benefit Rider10% upfront bonus, grows to 250% of premium, 1.25%–1.60% annual fee

Accumulation Benefit RiderZero fees, 10% bonus, 175% participation in net interest rate

Principal Protection2.75% lifetime minimum guarantee

Best for: Retirees age 50+ who want to protect their retirement savings from market risk, ...

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Personal Choice Annuity

Annuity

Flexible Fixed Annuity With Customizable Rider Options

Flexible Guarantee Periods3, 5, 7, or 10 years

Customizable Riders6 optional riders available

Required Minimum Distribution RiderRMD-qualified withdrawals

Terminal Illness/Nursing Home Care RiderQualified medical events

Best for: Retirees and pre-retirees seeking a secure fixed annuity with flexibility to cus...

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Personal Choice Plus+ Annuity

Fixed Indexed Annuity

Choose your path to retirement growth — with downside protection

Fixed Interest Rate1% guaranteed minimum

Annual Point-to-PointClosest to market without loss exposure

Monthly AveragingBalanced growth opportunity

Monthly SumHighest earning potential

Best for: Retirees and pre-retirees seeking indexed growth with downside protection, who w...

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Retirement Plus Multiplier Annuity

Fixed Indexed Annuity

Market upside + downside protection + lifetime income

Index-Linked Growth0% guaranteed floor protects against losses

Lifetime Income OptionUp to 100% income enhancement bonus available

Penalty-Free Withdrawals10% annual penalty-free access starting year 2

Flexible AllocationsFull control over your asset allocation

Best for: Retirees and near-retirees who want to balance market growth potential with prin...

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Summit Bonus Index

Fixed Indexed Annuity

Guaranteed Income + Market Growth Protection

Premium Bonus15% with Income Rider (7% without)

Income Account Roll-Up7.25% compounded annually for 10 years

Guaranteed Lifetime Withdrawal BenefitAvailable age 55+ with Income Rider

Index Crediting Strategies4 strategies plus fixed account option

Best for: Retirees and near-retirees age 55+ who want guaranteed lifetime income, principa...

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Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

Description

Fair

Effective

January 23, 2026

Rating Analysis

Sentinel Security Life specializes in whole life insurance and offers a range of financial products. Their A.M. Best rating of B++ indicates a good ability to meet ongoing insurance obligations, but they are currently under review with negative implications due to factors such as high reinsurance leverage and declining counterparty credit quality, as well as ongoing efforts to raise capital and reduce counter party risk.