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Withdrawals above the penalty-free limit or full surrender during the guarantee period are subject to declining surrender charges. A Market Value Adjustment (MVA) applies unless prohibited by state regulation.

None. Sentinel does not charge annual or maintenance fees. Only withdrawals beyond the free limit or optional rider costs may reduce the account value.

greater of the accumulation value or the guaranteed minimum surrender value (GMSV).

 Surrender charges are waived upon death.

after the first policy anniversary without penalty.

 (Traditional IRA, Roth IRA, SEP IRA) and 

 funds. Single premium only; no additional contributions allowed after issue.

Issued by Sentinel Security Life Insurance Company, a member of the A-CAP Group, this fixed annuity is available for both qualified and non-qualified funds. It features guaranteed interest rates for the chosen term and optional riders that allow clients to balance liquidity and yield. The Personal Choice Annuity is structured for policyholders who want control, customization, and guaranteed growth without market risk.

At the end of the guarantee period, the contract may renew at Sentinel’s then-current declared rate or may be fully withdrawn or annuitized without penalty.

Equals the accumulation value minus any applicable surrender charges and Market Value Adjustment (MVA).

Sentinel Security Life Personal Choice Annuity

 is a single-premium Multi-Year Guaranteed Annuity (MYGA)offering fixed interest rates over 5-, 7-, and 10-year guarantee periods. This annuity is designed for individuals who want the stability of a guaranteed rate with the flexibility to customize their contract. Through Sentinel’s unique 

, clients can add or remove benefits—such as enhanced liquidity, a death benefit, or shortened surrender periods—tailoring the product to match their income goals, liquidity preferences, and time horizon. It provides 

Withdrawals exceeding the penalty-free allowance or full surrender during the 3-year term are subject to a declining surrender charge schedule. A Market Value Adjustment (MVA) may apply to early withdrawals, except where prohibited under California law.

None. Sentinel does not assess any annual administrative or policy maintenance fees. The only deductions apply to withdrawals above the penalty-free limit or rider fees if selected.

Beneficiaries receive the greater of the accumulation value or the guaranteed minimum surrender value. Surrender charges are waived upon death.

10% of the accumulation value each year after the first policy anniversary

 funds. Single-premium contract; no additional contributions allowed after issue.

Issued by Sentinel Security Life Insurance Company, a member of the A-CAP group, this California-specific annuity guarantees a fixed rate for three years with complete protection of principal. It follows all California regulatory standards and includes core features found in Sentinel’s broader Personal Choice line, such as optional riders for liquidity, surrender reduction, and death benefit protection. The annuity is suitable for both qualified and non-qualified funds, offering short-term guaranteed growth with customization flexibility.

At the end of the 3-year guarantee period, policyholders may renew at Sentinel’s then-declared rate, withdraw funds, or annuitize without surrender charges.

Equals the accumulation value minus applicable surrender charges. During the 3-year term, early withdrawals exceeding the free amount are subject to both a surrender charge and potential MVA adjustment.

Sentinel Security Life Personal Choice Annuity 3 (California Only)

 is a single-premium Multi-Year Guaranteed Annuity (MYGA) offering a 

 designed specifically for California residents. It provides tax-deferred accumulation, principal protection, and flexible liquidity options through built-in waivers and optional riders. This annuity allows clients to customize benefits such as enhanced liquidity or death benefits, giving them the freedom to prioritize higher rates or greater access as needed. Upon maturity, policyholders may renew, withdraw, or annuitize their funds without penalty.

Sentinel Security Life – Personal Choice Annuity (5-, 7-, 10-Year Terms)

Sentinel Security Life – Personal Choice Annuity 3 (California Only)