Personal Choice Annuity
Sentinel Security Life
35
States
The Sentinel Plan Personal Choice Annuity is a flexible, customizable fixed annuity designed for retirees who want control over their withdrawal timing and the ability to select only the protection features they need.
Available In
35 states
Min Premium
$2,500
Surrender
20 years
Key Features
Flexible Guarantee Periods
3, 5, 7, or 10 yearsSelect from 3, 5, 7, or 10-year durations with access to your money when you need it
Customizable Riders
6 optional riders availableAdd only the optional riders that match your specific needs—never pay for unused features
Required Minimum Distribution Rider
RMD-qualified withdrawalsWaives surrender charges and market value adjustments on RMD withdrawals from tax-qualified plans
Terminal Illness/Nursing Home Care Rider
Qualified medical eventsWaives surrender charges if diagnosed with stroke, heart attack, terminal cancer, or requires skilled nursing for 90+ days
72(t) Free Withdrawal Rider
IRC 72(t) qualifiedWaives surrender charges and MVA for IRC Section 72(t) compliant withdrawals
Preferred 10% Free Withdrawal Rider
10% or RMD annuallyOne penalty-free withdrawal per year starting year two, up to 10% of account value or RMD (whichever is greater)
Accumulated Interest Withdrawal Rider
Starting year oneWaives surrender charges and MVA on accumulated interest withdrawals beginning in the first contract year
Death Benefit Feature
Full contract valueRequired for issue ages 86-90; pays total contract value to beneficiaries with surrender charges waived
Highlights
Choose your annuity duration: 3, 5, 7, or 10 years with access to your money when needed
Fully customizable with optional riders—pay only for features you'll actually use
Multiple rider options eliminate surrender charges in specific situations like terminal illness, nursing home care, or required minimum distributions
Flexible withdrawal options including accumulated interest and preferred 10% annual free withdrawals
Backed by Sentinel Security Life Insurance Company with 71 years of history and B++ (Good) rating by AM Best
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
5%
Yr 7
5%
Yr 8
5%
Yr 9
5%
Yr 10
5%
Yr 11
5%
Yr 12
5%
Yr 13
5%
Yr 14
5%
Yr 15
5%
Yr 16
5%
Yr 17
5%
Yr 18
5%
Yr 19
5%
Yr 20
5%
After
0%
Best For
Retirees and pre-retirees seeking a secure fixed annuity with flexibility to customize features based on their personal needs and withdrawal expectations.
Consider Alternatives If
Investors seeking high growth potential or those who don't value flexibility and customization in their annuity features.
Carrier Ratings
Free Comparison Report
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