Best available rate
6.25%
10-yr guarantee · $2,500+ premium
Highest current rate across the available 3-year, 5-year, 7-year, and 10-year guarantee terms.
View all rates and terms ↓10%
Free W/D
35
Available states
Rates as of August 24, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Personal Choice Annuity
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Sentinel Security Life product.
Live product data
Rates as of August 24, 2026, from AdvisorWorld and CANNEX.
Lead-term guaranteed rate
6.25% guaranteed for 5 years
A multi-year guaranteed annuity from Sentinel Security Life sold across multiple guarantee-period lengths with rates segmented by premium band, an annual free-withdrawal allowance at the upper end of the MYGA range, a cash-surrender-value death benefit, and availability in a limited subset of US jurisdictions.
Best fit
Safety-first buyers who want a known, contractually guaranteed annual rate for a defined number of years, want to choose among multiple guarantee-period lengths and read whether their premium band qualifies for a different rate, value a meaningful annual free-withdrawal allowance against the lockup, can commit principal across the full surrender period, and are comfortable underwriting a below-A-bracket carrier after reviewing state-guaranty-association coverage in their state.
Available guarantee terms
3, 5, 7, and 10 years
AM Best
B Fair
Available surrender terms
3, 5, 7, and 10 years
Free withdrawal
10%/yr
Availability
35 states (restricted footprint)
Product analyst notes
How to think about this contract
Why it can stand out
- Published guaranteed rates across multiple distinct guarantee-period lengths spanning short, mid, and long terms, so a buyer can match the rate-lock window to a real planning horizon rather than be funneled into a single term.
- Published rates are also segmented by premium band, so a larger-premium buyer can read whether the carrier publishes a different rate at their funding level rather than receiving a single blended quote.
- The annual free-withdrawal allowance sits at the upper end of the MYGA range, giving meaningful penalty-free liquidity each year against the surrender schedule.
- The contract supports both qualified and non-qualified premium and single or joint ownership and annuitization under the same filing, so most ownership and eventual-payout structures fit inside this one product.
What to confirm
- Sentinel Security Life sits below the A-bracket where most large MYGA carriers are rated. A buyer locking principal for the full guarantee period should weigh the rate against the carrier financial-strength view and check state-guaranty-association coverage limits in their state of residence.
- The surrender period runs longer than the typical short-term MYGA lockup — the schedule remains in effect well past the lead guarantee period a buyer might choose. An unplanned early exit beyond the annual free-withdrawal allowance carries a real cost for several years after the rate-lock window ends.
- The death benefit is the cash surrender value rather than full account value at issue ages within the published range — there is no roll-up, step-up, or premium bonus credited to the death benefit, so a buyer comparing legacy mechanics with another MYGA should read the death-benefit line on this page rather than assume parity.
- The contract is offered in a limited 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 insist on an A-bracket carrier, buyers who need short-window liquidity beyond the annual free-withdrawal allowance, buyers who want market-linked upside or a guaranteed-lifetime-income rider, buyers who want a roll-up or step-up death benefit, or buyers who live in a state where this contract is not offered.
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Guaranteed Rates by Term
CANNEX identifies each state, MVA, and liquidity-rider version below. Compound-equivalent annual rates are the primary comparison measure; the carrier's quoted simple-interest rate remains visible beneath each value.
| Contract version | Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|---|
| California · MVA · Liquidity rider unknown | 3-Year | Not available | Apr 11, 2026 | 5.7%Rate convention not stated |
| California · MVA · Liquidity rider unknown | 5-Year | Not available | Apr 11, 2026 | 6.05%Rate convention not stated |
| California · MVA · Liquidity rider unknown | 7-Year | Not available | Apr 11, 2026 | 6.05%Rate convention not stated |
| California · MVA · Liquidity rider unknown | 10-Year | Not available | Apr 11, 2026 | 6.05%Rate convention not stated |
| FL · MVA · Liquidity rider unknown | 3-Year | Not available | Apr 11, 2026 | 5.9%Rate convention not stated |
| FL · MVA · Liquidity rider unknown | 5-Year | Not available | Apr 11, 2026 | 6.2%Rate convention not stated |
| FL · MVA · Liquidity rider unknown | 7-Year | Not available | Apr 11, 2026 | 6.2%Rate convention not stated |
| FL · MVA · Liquidity rider unknown | 10-Year | Not available | Apr 11, 2026 | 6.15%Rate convention not stated |
| MN · MVA unknown · Liquidity rider unknown | 3-Year | 3-Year schedule | Apr 11, 2026 | 5.7%Rate convention not stated |
| MN · MVA unknown · Liquidity rider unknown | 5-Year | 5-Year schedule | Apr 11, 2026 | 5.95%Rate convention not stated |
| MN · MVA unknown · Liquidity rider unknown | 7-Year | 7-Year schedule | Apr 11, 2026 | 5.95%Rate convention not stated |
| MN · MVA unknown · Liquidity rider unknown | 10-Year | 10-Year schedule | Apr 11, 2026 | 5.95%Rate convention not stated |
| Most states · MVA · Liquidity rider unknown | 3-Year | Not available | Apr 11, 2026 | 6%Rate convention not stated |
| Most states · MVA · Liquidity rider unknown | 5-Year | Not available | Apr 11, 2026 | 6.25%Rate convention not stated |
| Most states · MVA · Liquidity rider unknown | 7-Year | Not available | Apr 11, 2026 | 6.25%Rate convention not stated |
| Most states · MVA · Liquidity rider unknown | 10-Year | Not available | Apr 11, 2026 | 6.25%Rate convention not stated |
Key Features
Death benefit
Cash Surrender Value DB Issue Ages 0-85Beneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
3-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
After
0%
5-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
After
0%
7-Year Version
Yr 1
8%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
Yr 6
3%
Yr 7
2%
After
0%
Carrier Ratings
Free Comparison Report
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See how Personal Choice Annuity compares for your age, state, premium, and income goals alongside other Sentinel Security Life MYGA options.