Annuity rate data updated daily
Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates
10%
Free W/D
34
Available states
Product data status: July 15, 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
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Free Comparison Report
See how Guaranteed Income Annuity compares for your age, state, premium, and income goals alongside other Sentinel Security Life fixed indexed annuity options.
Live rate data
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Sentinel Security Life product.
Live product data
Rates as of July 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Fixed declared rate (Year 1)
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.
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)
Caps, participation rates, and declared rates are shown separately.
Fixed Account
Fixed Account
3% declared rate
Fixed account
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
Income rider
Income rider
Product analyst notes
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
See how Guaranteed Income Annuity compares for your age, state, premium, and income goals alongside other Sentinel Security Life fixed indexed annuity options.
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Fixed: 3% · 1-yr
Fixed Account
fixed
Par: 55% · M
United States SOFR Secured Overnight Financing Rate
monthly_avg_participation
Income rider
GLWB
Income rider
GLWB
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 applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or 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.
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 8.5% roll-up and 4.8% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.
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.
Use "Compare against" in the analyzer to overlay another current 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.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver, Terminal illness waiver
Bonus terms can vary by state, premium band, and rider election.
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Guaranteed minimum interest rate for the fixed account.
Minimum guaranteed participation rate for participation-rate indexed strategies.
Contract conversion options should be confirmed before purchase.
Availability can vary by state and product terms.
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, Surrender waivers
brochure
Direct link not published — request the document from the carrier.
Crediting design
Guaranteed Income Annuity currently shows 2 indexed or fixed crediting options, including Fixed Account, with 1 volatility-controlled index option grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.
Income rider language
Guaranteed Lifetime Withdrawal Benefit Rider is the main income-rider entry returned 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.
Liquidity terms
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.
Verification note
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.
Free Comparison Report
See how Guaranteed Income Annuity compares for your age, state, premium, and income goals alongside other Sentinel Security Life fixed indexed annuity options.