Retirement Plus Multiplier Annuity
Sentinel Security Life
5.95%
Best Cap
10%
Free W/D
41
States
A fixed indexed annuity designed for retirees who want to capture market growth while protecting savings from losses, with options to generate guaranteed lifetime income. Ideal for those planning to enjoy active retirements while securing their financial future.
Free Withdrawal
10%/yr
Available In
41 states
Min Premium
$5,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| Aging of America Index | 2-Year | -- | 275% | -- |
| Aging of America Index | 3Y | -- | 250% | -- |
| Aging of America Index | Annual | -- | 150% | -- |
| S&P 500 Index | 2-Year | -- | 38% | -- |
| S&P 500 Index | Annual | 5.95% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3% |
Key Features
Index-Linked Growth
0% guaranteed floor protects against lossesYour money grows based on positive performance of market indices (S&P 500 or Goldman Sachs Aging of America Dynamic Balance Index) subject to participation rates or caps
Lifetime Income Option
Up to 100% income enhancement bonus availableConvert your annuity to guaranteed monthly payments that last your entire life, with optional spousal coverage and income bonus enhancements
Penalty-Free Withdrawals
10% annual penalty-free access starting year 2Access your money without surrender charges by withdrawing up to 10% annually, Required Minimum Distributions, or interest from the fixed account in year one
Flexible Allocations
Full control over your asset allocationReallocate your funds among multiple index strategies and a fixed account at the end of each crediting period (1, 2, or 3-year terms)
Tax-Deferred Growth
Defer taxes on interest earnedEarnings compound without annual tax reporting until you make a withdrawal
Death Benefit
Protects your legacyIf you die before annuity payments begin, your beneficiary receives the greater of your accumulation value or minimum guaranteed surrender value
Highlights
Participate in market upside with index-linked growth while protecting your principal from market losses
Generate guaranteed lifetime income that you can never outlive, even after your account value is depleted
Choose from flexible surrender schedules (5, 7, or 10 years) with penalty-free withdrawal options
Customize your strategy with allocation choices between index accounts and fixed-rate options
Optional riders provide enhanced accumulation growth or income multiplier bonuses up to 100% of initial investment
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, RMD waiver, Terminal illness waiver
Best For
Retirees and near-retirees who want to balance market growth potential with principal protection and seek guaranteed lifetime income options to manage longevity risk.
Consider Alternatives If
Investors who need immediate access to their full principal without penalty or those who cannot afford to lock funds away for 5-10 years should avoid this product.
Carrier Ratings
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