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Fixed Indexed Annuity

Retirement Plus Multiplier Annuity

Sentinel Security Life

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5.95%

Best S&P 500 Annual Cap

10%

Free W/D

34

States

Product data status: June 30, 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 Retirement Plus Multiplier 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 June 30, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$250,358
Est. value at age 80 (Retirement Plus Multiplier Annuity)
0%
Floor — index losses never reduce value
S&P 500 Index — 5.95% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Retirement Plus Multiplier Annuity's published cap rate (5.95% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of June 30, 2026.

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See how Retirement Plus Multiplier 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 Retirement Plus Multiplier 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 June 30, 2026, based on the latest AdvisorWorld scan of CANNEX data.

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

5.95% cap on S&P 500

An accumulation-focused fixed indexed annuity from Sentinel Security Life built around a recognizable S&P 500 annual point-to-point cap plus parallel S&P 500 participation strategies and multi-window participation-rate strategies on the proprietary Aging of America Index — with nursing-home, terminal-illness, and RMD waivers published on the contract and no lifetime-income rider in the design.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing to a long deferral who want a recognizable S&P 500 cap as their like-for-like comparison line, want explicit surrender-charge waivers for foreseeable health or RMD events, value a meaningful annual free-withdrawal allowance against the lockup, and accept a below-A-bracket carrier in exchange for the rate menu this filing publishes.

AM Best

B Fair

Surrender options

5, 7, and 10 years

Free withdrawal

10%/yr

Availability

34 states

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

5.95% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

5.95% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

5.95% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

28% participation rate

Participation

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

28% participation rate

Participation

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

28% participation rate

Participation

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

2-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

53% participation rate

Participation

Selected state rate set (TX)

2-year term · 5-year surrender · Premium band not shown

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

2-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

53% participation rate

Participation

Selected state rate set (TX)

2-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

2-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

53% participation rate

Participation

Selected state rate set (TX)

2-year term · 10-year surrender · Premium band not shown

Fixed Account

Fixed Account

3% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 5-year surrender · Premium band not shown

Fixed Account

Fixed Account

3% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 7-year surrender · Premium band not shown

Fixed Account

Fixed Account

3% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 10-year surrender · Premium band not shown

+ 18 additional crediting options (Aging of...)

Lifetime Income Riders

Income rider

Income Multiplier Benefit

Lifetime payout rate4.7% lifetime payout
Annual rider fee0.95% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap, so this contract offers at least one clean like-for-like comparison line against other FIAs on this site rather than only proprietary participation-rate strategies.
  • Participation-rate strategies on the proprietary Aging of America Index are offered in multiple crediting windows on the same contract, with progressively higher participation as the crediting window lengthens — a buyer willing to lock crediting longer is rewarded inside the same filing.
  • Surrender-charge waivers for nursing home, terminal illness, and required-minimum-distribution events are published on the contract, so a buyer with a foreseeable health or RMD 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 long surrender lockup.

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 sleeve is published on multiple cadences — an annual cap line plus annual and two-year participation lines. The participation numbers and the cap are not interchangeable; the participation line gives a percentage of the index's gross move, the cap gives the maximum credited gain in absolute terms. Read the cadence and crediting category column on each strategy before reading the rate number.
  • Proprietary index participation rates on the Aging of America Index look high in absolute terms but are not directly comparable to an S&P 500 cap — evaluate each strategy on its own merits and on the underlying index's published behavior.
  • 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 cash surrender value rather than account value — weigh carrier strength, lockup length, and legacy mechanics together before committing.

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-surrender liquidity beyond the annual free-withdrawal allowance inside the lockup.

Free Comparison Report

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See how Retirement Plus Multiplier 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 (63 rows)

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

Par: 150% · 1-yr

Aging of America Index

participation

Selected state rate set (TX)5-yr surrender

Par: 28% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)5-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)5-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)5-yr surrender

Par: 200% · 1-yr

Aging of America Index

participation

Selected state rate set (TX)5-yr surrender

Par: 38% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)5-yr surrender

Cap: 5.95% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)5-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)5-yr surrender

Par: 150% · 1-yr

Aging of America Index

participation

Selected state rate set (TX)5-yr surrender

Par: 28% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)5-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)5-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)5-yr surrender

Par: 200% · 2-yr

Aging of America Index

participation

Selected state rate set (TX)5-yr surrender

Par: 38% · 2-yr

S&P 500 Index

participation

Selected state rate set (TX)5-yr surrender

Par: 275% · 2-yr

Aging of America Index

participation

Selected state rate set (TX)5-yr surrender

Par: 53% · 2-yr

S&P 500 Index

participation

Selected state rate set (TX)5-yr surrender

Par: 200% · 2-yr

Aging of America Index

participation

Selected state rate set (TX)5-yr surrender

Par: 38% · 2-yr

S&P 500 Index

participation

Selected state rate set (TX)5-yr surrender

Par: 250% · 3-yr

Aging of America Index

participation

Selected state rate set (TX)5-yr surrender

Par: 350% · 3-yr

Aging of America Index

participation

Selected state rate set (TX)5-yr surrender

Par: 250% · 3-yr

Aging of America Index

participation

Selected state rate set (TX)5-yr surrender

Par: 150% · 1-yr

Aging of America Index

participation

Selected state rate set (TX)7-yr surrender

Par: 28% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)7-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)7-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)7-yr surrender

Par: 200% · 1-yr

Aging of America Index

participation

Selected state rate set (TX)7-yr surrender

Par: 38% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)7-yr surrender

Cap: 5.95% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)7-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)7-yr surrender

Par: 150% · 1-yr

Aging of America Index

participation

Selected state rate set (TX)7-yr surrender

Par: 28% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)7-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)7-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)7-yr surrender

Par: 200% · 2-yr

Aging of America Index

participation

Selected state rate set (TX)7-yr surrender

Par: 38% · 2-yr

S&P 500 Index

participation

Selected state rate set (TX)7-yr surrender

Par: 275% · 2-yr

Aging of America Index

participation

Selected state rate set (TX)7-yr surrender

Par: 53% · 2-yr

S&P 500 Index

participation

Selected state rate set (TX)7-yr surrender

Par: 200% · 2-yr

Aging of America Index

participation

Selected state rate set (TX)7-yr surrender

Par: 38% · 2-yr

S&P 500 Index

participation

Selected state rate set (TX)7-yr surrender

Par: 250% · 3-yr

Aging of America Index

participation

Selected state rate set (TX)7-yr surrender

Par: 350% · 3-yr

Aging of America Index

participation

Selected state rate set (TX)7-yr surrender

Par: 250% · 3-yr

Aging of America Index

participation

Selected state rate set (TX)7-yr surrender

Par: 150% · 1-yr

Aging of America Index

participation

Selected state rate set (TX)10-yr surrender

Par: 28% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)10-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)10-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)10-yr surrender

Par: 200% · 1-yr

Aging of America Index

participation

Selected state rate set (TX)10-yr surrender

Par: 38% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)10-yr surrender

Cap: 5.95% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)10-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)10-yr surrender

Par: 150% · 1-yr

Aging of America Index

participation

Selected state rate set (TX)10-yr surrender

Par: 28% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)10-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)10-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)10-yr surrender

Par: 200% · 2-yr

Aging of America Index

participation

Selected state rate set (TX)10-yr surrender

Par: 38% · 2-yr

S&P 500 Index

participation

Selected state rate set (TX)10-yr surrender

Par: 275% · 2-yr

Aging of America Index

participation

Selected state rate set (TX)10-yr surrender

Par: 53% · 2-yr

S&P 500 Index

participation

Selected state rate set (TX)10-yr surrender

Par: 200% · 2-yr

Aging of America Index

participation

Selected state rate set (TX)10-yr surrender

Par: 38% · 2-yr

S&P 500 Index

participation

Selected state rate set (TX)10-yr surrender

Par: 250% · 3-yr

Aging of America Index

participation

Selected state rate set (TX)10-yr surrender

Par: 350% · 3-yr

Aging of America Index

participation

Selected state rate set (TX)10-yr surrender

Par: 250% · 3-yr

Aging of America Index

participation

Selected state rate set (TX)10-yr surrender

Income riders

Income rider

Income Multiplier: Guaranteed Lifetime Withdrawal Benefit Rider

Lifetime withdrawal rate4.7%
Annual rider fee0.95%
Withdrawal-base growthNot shown

GLWB

Common questions about Retirement Plus Multiplier Annuity

● Can I lose money in Retirement Plus Multiplier Annuity?

A negative index return by itself does not reduce the contract's account value: Retirement Plus Multiplier 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.

● Is the Income Multiplier: Guaranteed Lifetime Withdrawal Benefit Rider income rider worth the 0.95% 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 4.7% 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 surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Retirement Plus Multiplier Annuity's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Retirement Plus Multiplier 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

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

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

10.00%

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

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, Surrender waivers

Documents

brochure

SSL-RPM-BR-OT-101422.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

Retirement Plus Multiplier Annuity currently shows 13 distinct indexed or fixed crediting choices across 63 current rate listings, including S&P 500 Index, with 6 volatility-controlled index options 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.

  • S&P 500 Index: 5% annual cap
  • S&P 500 Index: 5.95% annual cap
  • S&P 500 Index: 28% annual participation rate
  • S&P 500 Index: 38% annual participation rate

Income rider language

What to look for before treating the rider as income

Income Multiplier: 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.

  • 4.7% withdrawal rate
  • 0.95% rider fee

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
  • RMD waiver
  • Terminal illness waiver

Verification note

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

Carrier materials such as SSL-RPM-BR-OT-101422.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 Retirement Plus Multiplier Annuity rate report

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

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