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Fixed Indexed Annuity

Personal Choice Plus+ Annuity

Sentinel Security Life

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4.1%

Best S&P 500 Annual Cap

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

See what Personal Choice Plus+ Annuity would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$314,891
Est. value at age 80 (Personal Choice Plus+ Annuity)
4.1%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 4.2% Monthly cap (Monthly Avg Cap)
✦
How crediting works: the monthly cap limits each positive monthly index return before monthly returns are summed; a down year credits 0%, never a loss. A monthly cap strategy uses month-by-month index changes rather than a single annual point-to-point return. What is a cap vs participation? →
Assumptions: illustrative — applies Personal Choice Plus+ Annuity's published monthly cap (4.2% on S&P 500 Index) to a standard benchmark hypothetical monthly index path. Positive monthly returns are capped month by month, negative monthly returns are included in the annual sum, and the final annual credit is floored at 0% over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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See how Personal Choice Plus+ Annuity compares for your age, state, premium, and income goals alongside other Sentinel Security Life fixed indexed annuity options.

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Live rate data

Run live numbers for Personal Choice Plus+ Annuity

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.

S&P 500 annual point-to-point cap rate

4.1% cap on S&P 500

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.

1-year term5-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want a shorter FIA lockup than the typical long-surrender FIA filing, value a recognizable S&P 500 annual cap as their like-for-like comparison line, want explicit surrender-charge waivers for foreseeable health events, and accept a below-A-bracket carrier in exchange for the shorter surrender window and rate menu.

AM Best

B Fair

Surrender period

5 years

Free withdrawal

10%/yr

Availability

34 states (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.1% cap rate

Annual cap

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly avg cap

4.2% cap rate

Monthly cap

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly sum cap

1.75% cap rate

Monthly sum

1-year term · 5-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3% declared rate

Fixed account

5-year term · 5-year surrender · Does not vary by premium

Product analyst notes

How to think about this contract

Why it can stand out

  • Surrender period is shorter than the long lockup most FIAs carry — buyers who balk at a full-length FIA commitment have a meaningfully shorter window inside the same product type.
  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap, giving this contract a clean like-for-like comparison line against any other FIA on this site, not just a proprietary index that resists side-by-side reading.
  • Nursing-home and terminal-illness surrender-charge waivers are published on the contract, so a buyer with a foreseeable health trigger has explicit waiver paths around the surrender schedule rather than relying only on the annual free-withdrawal allowance.
  • The annual free-withdrawal allowance sits at the upper end of the FIA range, giving meaningful penalty-free liquidity each year against the rate lock.

What to confirm

  • This is an accumulation-focused fixed indexed annuity. There is no optional lifetime-income rider attached in this data and no built-in Protected Income Value chassis — do not buy this contract for a guaranteed lifetime withdrawal; its job is index-linked growth, not income.
  • The S&P 500 cap is published on three cadences — annual point-to-point, monthly average, and monthly sum — on the same contract. A monthly cap looks different in absolute terms from an annual cap and is not a like-for-like comparison; read the cadence and crediting category column before reading the cap number.
  • Carrier financial-strength rating from A.M. Best sits below the A-bracket baseline that most national-brand FIAs carry, the surrender lockup runs the full filing term, and the death benefit pays a contract-defined value rather than full account value — weigh carrier strength, lockup length, and legacy mechanics together before committing.
  • State availability is a subset of US jurisdictions — confirm the buyer's state of residence on the state-availability section of this page before any planning work, because eligibility is not nationwide.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want a plain MYGA-style declared rate, require an account-value-based death benefit, demand a name-brand A-bracket carrier, or need short-window liquidity beyond the annual free-withdrawal allowance inside the lockup.

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All crediting strategies

View rate listings (8 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Cap: 4.2% · 1-yr

S&P 500 Index

monthly_avg_cap

5-yr surrenderDoes not vary by premium

Cap: 4.1% · 1-yr

S&P 500 Index

cap

5-yr surrenderDoes not vary by premium

Cap: 1.75% · 1-yr

S&P 500 Index

monthly_sum_cap

5-yr surrenderDoes not vary by premium

Fixed: 3% · 5-yr

Fixed Account

fixed

5-yr surrenderDoes not vary by premium

Cap: 4.2% · 1-yr

S&P 500 Index

AV

Does not vary by premium

Cap: 4.1% · 1-yr

S&P 500 Index

Point-to-point

Does not vary by premium

Cap: 1.75% · 1-yr

S&P 500 Index

Monthly sum

Does not vary by premium

Fixed: 3% · 5-yr

Fixed Account

Fixed account

Does not vary by premium

Accumulation profile

Accumulation-focused contract

Current CANNEX product data marks this filing as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Linked review

Personal Choice Plus+ Annuity review notes

Unbiased review of the Sentinel Life Personal Choice Plus+ Fixed Indexed Annuity, covering key features, costs, and benefits.

3/5Read review
Review rating details3/5
Financial strength3/5
Return potential3/5
Income and benefits3/5
Free benefits, liquidity, and costs3/5
Transparency and service3/5

CFA take

“In my view, the Sentinel Life Personal Choice Plus+ is a fairly niche FIA that may appeal more to investors focused on legacy planning rather than pure accumulation or retirement income optimization. The product itself is relatively simple, offering only S&P 500-linked strategies without the complexity of proprietary volatility-controlled indices. However, the growth potential appears relatively modest compared to many competing FIAs, particularly given the lower cap structures and limited indexing flexibility. That said, I find it difficult to justify several of the optional rider charges, especially since many competing annuities include features like free withdrawals, RMD flexibility, and illness waivers at no additional cost. Combined with the absence of standard nursing home and terminal illness benefits and the insurer’s comparatively lower financial strength rating, I would view this as a more specialized product rather than a broadly competitive FIA in today’s market.”

Nikhil Bhauwala

Common questions about Personal Choice Plus+ Annuity

● Can I lose money in Personal Choice Plus+ Annuity?

A negative index return by itself does not reduce the contract's account value: Personal Choice Plus+ 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.

● How do Personal Choice Plus+ Annuity's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Personal Choice Plus+ 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

Death benefit

Death Benefit Feature

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

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

2.40%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

100.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Surrender schedule not available for this product

A surrender-charge schedule was not returned for this product on this request. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

brochure

SSLPCPBR-OT062421-v2.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

Personal Choice Plus+ Annuity currently shows 5 distinct indexed or fixed crediting choices across 8 displayed rate-table rows, including S&P 500 Index. 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.

  • S&P 500 Index: 4.1% annual cap
  • S&P 500 Index: 4.2% monthly cap
  • S&P 500 Index: 1.75% monthly cap
  • S&P 500 Index: 4.1% annual point-to-point cap

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
  • Nursing home waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as SSLPCPBR-OT062421-v2.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

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See how Personal Choice Plus+ Annuity compares for your age, state, premium, and income goals alongside other Sentinel Security Life fixed indexed annuity options.

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