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Fixed Indexed Annuity

Guaranteed Income Annuity — Sentinel Security Life

Sentinel Security Life

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10%

Free W/D

34

Available states

Product data status: October 2, 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.

Model this product

See what Guaranteed Income Annuity would do for you

Set your numbers and switch between growth, income, and liquidity. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$138,089
Gross crediting illustration at age 80 (Guaranteed Income Annuity)
Excludes the 1.25% annual Guaranteed Lifetime Withdrawal Benefit Rider charge (income option; applicability depends on contract terms); 1.6% annual Guaranteed Lifetime Withdrawal Benefit Rider charge (income option; applicability depends on contract terms); 1.25% annual Guaranteed Lifetime Withdrawal Benefit Rider charge (income option; applicability depends on contract terms); 1.6% annual Guaranteed Lifetime Withdrawal Benefit Rider charge (income option; applicability depends on contract terms). This is not a net contract value.
10%
Premium bonus offered

Gross crediting illustration for each line; excludes the 1.25% annual Guaranteed Lifetime Withdrawal Benefit Rider charge (income option; applicability depends on contract terms); 1.6% annual Guaranteed Lifetime Withdrawal Benefit Rider charge (income option; applicability depends on contract terms); 1.25% annual Guaranteed Lifetime Withdrawal Benefit Rider charge (income option; applicability depends on contract terms); 1.6% annual Guaranteed Lifetime Withdrawal Benefit Rider charge (income option; applicability depends on contract terms).

United States SOFR Secured Overnight Financing Rate — 55% Participation (Monthly Avg Participation)
✦
How crediting works: the participation rate keeps a share of positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A participation strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Guaranteed Income Annuity's published participation rate (55% on United States SOFR Secured Overnight Financing Rate) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Gross crediting only: this illustration excludes the 1.25% annual Guaranteed Lifetime Withdrawal Benefit Rider charge (income option; applicability depends on contract terms); 1.6% annual Guaranteed Lifetime Withdrawal Benefit Rider charge (income option; applicability depends on contract terms); 1.25% annual Guaranteed Lifetime Withdrawal Benefit Rider charge (income option; applicability depends on contract terms); 1.6% annual Guaranteed Lifetime Withdrawal Benefit Rider charge (income option; applicability depends on contract terms) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Growth starts from a bonus-adjusted illustrative account value: $100,000 premium + $10,000 premium bonus (10%) = $110,000. Bonus vesting and withdrawal treatment follow the contract. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.

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See how Guaranteed Income Annuity compares for your age, state, premium, and income goals alongside other Sentinel Security Life fixed indexed annuity options.

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rate data

Run numbers for Guaranteed Income Annuity

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Sentinel Security Life product.

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

Fixed declared rate (Year 1)

3% fixed account

A long-surrender fixed indexed annuity from Sentinel Security Life built around a fixed declared-rate sleeve and a single SOFR-linked participation-rate strategy with a premium bonus credited at issue and a Legacy Benefit Rider as the death-benefit feature — and despite its 'Guaranteed Income' name, no optional GLWB rider or built-in income chassis in the live filing.

Declared rate1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Buyers who want a declared-rate accumulation sleeve plus a single non-equity participation alternative inside one FIA contract, value a premium bonus credited at issue and a legacy-oriented death-benefit feature, can commit principal across the full surrender period, and accept a below-A-bracket carrier.

AM Best

B Fair

Surrender period

10 years

Free withdrawal

10%/yr

Availability

34 states (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

Fixed Account

Fixed Account

3% declared rate

Rate effective Apr 11, 2026

Fixed account

Requested state: TX

1-year term · 10-year surrender · Does not vary by premium

+ 1 additional crediting option (United States)

Lifetime Income Riders

Income rider

Guaranteed Withdrawal Benefit Rider

RMD friendly
Lifetime payout rate4.8% lifetime payout
Annual rider fee1.25% annual rider fee
Guaranteed roll-up8.5%/yr · compound · for up to 10 years

Income rider

Accumulation Benefit Rider

RMD friendly
Lifetime payout rate3.8% lifetime payout
Interest multiplier1.75x interest multiplier

Product analyst notes

How to think about this contract

Why it can stand out

  • The contract publishes a premium bonus credited at issue on top of premium, hedging the long surrender commitment for a buyer who may need to walk away before crediting has compounded.
  • A Legacy Benefit Rider is published on the contract as the death-benefit feature, an explicitly legacy-oriented mechanism rather than the bare cash-surrender-value death benefit that comes by default on most FIAs.
  • The annual free-withdrawal allowance sits at the upper end of the FIA range, giving meaningful penalty-free liquidity each year against the long surrender lockup.
  • The contract supports both qualified and non-qualified premium and single or joint annuitization under the same filing, so most ownership and eventual-payout structures fit inside this one product.

What to confirm

  • Despite the 'Guaranteed Income' product name, the live data publishes no optional GLWB rider and no built-in Protected Income Value chassis on this contract — there is no contractually guaranteed lifetime withdrawal rate to read off this product. Buyers shopping a rate-of-income comparison are looking at the wrong contract.
  • The crediting menu is narrow for an FIA: one fixed declared-rate sleeve and one participation-rate strategy linked to the SOFR overnight-funding rate, with no recognizable equity-index annual point-to-point cap. A buyer expecting an S&P 500-style cap as their like-for-like comparison line will not find one on this contract.
  • The premium bonus is credited subject to the contract's published vesting and recapture rules, so the headline bonus is not money in a buyer's pocket on day one — confirm the vesting schedule and any state-specific bonus variations before treating the bonus as immediately liquid.
  • Carrier financial-strength rating from A.M. Best sits below the A-bracket baseline that most national-brand FIAs carry, and the surrender lockup runs the full filing term — weigh carrier strength and lockup length together before committing.

Not ideal for

Buyers expecting a contractually guaranteed lifetime withdrawal rate (this contract has no GLWB rider in the data), buyers who want a recognizable S&P 500 cap as their crediting comparison line, buyers who need a plain MYGA-style declared rate without bonus or surrender complexity, buyers who insist on an A-bracket carrier, or buyers who need short-window liquidity beyond the annual free-withdrawal allowance.

Free Comparison Report

Get a Guaranteed Income Annuity rate report

See how Guaranteed Income Annuity compares for your age, state, premium, and income goals alongside other Sentinel Security Life fixed indexed annuity options.

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All crediting strategies

View rate listings (4 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Fixed: 3% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Apr 11, 202610-yr surrenderDoes not vary by premium

Fixed: 3% · 1-yr

Fixed Account

Fixed account

Requested state: TX10-yr surrenderDoes not vary by premium

Par: 55% · 3-mo

United States SOFR Secured Overnight Financing Rate

monthly_avg_participation · 0% annual strategy fee

Requested state: TXRate effective Apr 11, 202610-yr surrenderDoes not vary by premium

Par: 55% · 3-mo

United States SOFR Secured Overnight Financing Rate

monthly_avg_participation

Requested state: TX10-yr surrenderDoes not vary by premium

Income riders

Income rider

Guaranteed Lifetime Withdrawal Benefit Rider

RMD friendly
Lifetime withdrawal rate4.8%
Annual rider fee1.25%
Guaranteed roll-up8.5%/yr · compound · for up to 10 years
Deferral assumed0 years
Issue age40 — 85
Joint availabilityJoint life

GLWB

Income rider

Guaranteed Lifetime Withdrawal Benefit Rider

RMD friendly
Lifetime withdrawal rate4.8%
Annual rider fee1.6%
Guaranteed roll-up8.5%/yr · compound · for up to 10 years
Deferral assumed0 years
Issue age40 — 85
Joint availabilityJoint life

GLWB

Income rider

Guaranteed Lifetime Withdrawal Benefit Rider

RMD friendly
Lifetime withdrawal rate4.3%
Annual rider fee1.25%
Guaranteed roll-up8.5%/yr · compound · for up to 10 years
Deferral assumed0 years
Issue age40 — 85
Joint availabilityJoint life

GLWB

Income rider

Guaranteed Lifetime Withdrawal Benefit Rider

RMD friendly
Lifetime withdrawal rate4.3%
Annual rider fee1.6%
Guaranteed roll-up8.5%/yr · compound · for up to 10 years
Deferral assumed0 years
Issue age40 — 85
Joint availabilityJoint life

GLWB

Income rider

Accumulation Benefit Rider

RMD friendly
Lifetime withdrawal rate3.8%
Annual rider feeNot shown
Income multiplier1.75× multiplier
Deferral assumed0 years

GLWB

Income rider

Accumulation Benefit Rider

RMD friendly
Lifetime withdrawal rate3.3%
Annual rider feeNot shown
Income multiplier1.75× multiplier
Deferral assumed0 years

GLWB

Common questions about Guaranteed Income Annuity

● Can I lose money in Guaranteed Income Annuity?

A negative index return by itself does not reduce the contract's account value: Guaranteed Income Annuity credits 0% — the floor — for that indexed period. The account value can still decrease from the published rider fee, withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Guaranteed Lifetime Withdrawal Benefit Rider income rider worth the 1.25% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the published roll-up (8.5%/yr · compound · for up to 10 years) and 4.8% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Guaranteed Income Annuity's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Guaranteed Income Annuity strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

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

Premium bonus

10%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Legacy Benefit Rider

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

Fixed account guarantee

2.40%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Certain period, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver

Documents

brochure

SSLGIABR-OT-062923.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

Guaranteed Income Annuity currently shows 4 indexed or fixed crediting options, including Fixed Account, with 2 volatility-controlled index options grouped separately. 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.

  • Fixed Account: 3% fixed account rate, 0% annual strategy fee
  • Fixed Account: 3% fixed account rate

Income rider language

What to look for before treating the rider as income

Guaranteed Lifetime Withdrawal Benefit Rider is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.8% withdrawal rate
  • 1.25% rider fee
  • RMD friendly
  • Joint life availability

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
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as SSLGIABR-OT-062923.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

Free Comparison Report

Get a Guaranteed Income Annuity rate report

See how Guaranteed Income Annuity compares for your age, state, premium, and income goals alongside other Sentinel Security Life fixed indexed annuity options.

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