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Withdrawals above the 10 % annual allowance or full surrender before the term ends are subject to the following declining charges:

 Automatically waives charges for required minimum distributions.

Full account value is paid to beneficiaries upon the death of the owner or annuitant; surrender charges are waived.

 Charges waived upon diagnosis of terminal illness (available after 1 year).

 Charges waived after 90 days of qualified confinement (available after 1 year).

Beginning in the first contract year, up to 10 % of the accumulation value may be withdrawn annually without surrender charge.

Issued by Sentinel Security Life Insurance Company, this age-specific version provides guaranteed rates and the same liquidity features as the standard offering but is limited to issue ages 86 through 90. It is available for both qualified and non-qualified funds. Upon maturity, owners may renew, withdraw, or annuitize without penalty.

At the end of the guarantee period, the policy automatically renews at Sentinel’s then-current declared rate, unless the owner withdraws or annuitizes the funds.

Equal to the accumulation value minus any applicable surrender charges.

Sentinel Security Life Personal Choice Annuity (Ages 86–90)

ingle-premium Multi-Year Guaranteed Annuity (MYGA)

 tailored specifically for older applicants seeking guaranteed accumulation with full principal protection. Available in 

, it provides fixed interest growth, tax-deferred compounding, and penalty-free annual withdrawals. This version is structured to accommodate applicants between

 offering a secure accumulation vehicle for short- to mid-term income planning while maintaining the same surrender structure as the standard Personal Choice series.

Withdrawals exceeding the 10% annual allowance or full surrender before term-end incur declining charges as follows;

 Expands the free-withdrawal allowance annually.

None — no policy fees or maintenance charges apply.

Full account value payable upon death of the owner or annuitant. 

 Surrender charges waived upon diagnosis of a terminal illness (available after 1 year).

 Charges waived after 90 consecutive days of qualified confinement (available after 1 year).

Beginning in the first policy year, up to 

 may be withdrawn annually without penalty.

Issued by Sentinel Security Life Insurance Company, the Minnesota version offers guaranteed interest accumulation over fixed terms with no exposure to market volatility. It is available for both qualified and non-qualified funds, offering liquidity through annual free-withdrawal provisions and surrender-charge waivers under qualifying circumstances.

At maturity, the contract renews automatically at Sentinel’s then-current declared rate unless withdrawn or annuitized.

Accumulation value minus applicable surrender charges.

Sentinel Security Life Personal Choice Annuity (Minnesota

) is a single-premium, deferred Multi-Year Guaranteed Annuity (MYGA) offering secure, fixed growth for 

 It provides tax-deferred accumulation, principal protection, and flexibility through penalty-free annual withdrawals. This version is designed to comply with Minnesota-specific regulatory provisions, maintaining the same competitive guarantees and surrender structure as the standard Personal Choice series, while adapting death benefit and liquidity terms to state requirements.

Withdrawals exceeding the penalty-free allowance or full surrender during the term are subject to a declining surrender charge schedule. A Market Value Adjustment (MVA) applies under Florida approval guidelines.

None. There are no policy maintenance or administrative fees; only withdrawals exceeding the penalty-free allowance or optional rider fees may reduce the account value.

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

 after the first anniversary, without penalty. Florida permits these withdrawals for any purpose without restriction.

(Traditional IRA, Roth IRA, SEP IRA) and 

Issued by Sentinel Security Life Insurance Company, a member of the A-CAP Group, this annuity offers predictable growth and flexibility to suit a range of retirement strategies. The product supports both qualified and non-qualified funds, offering guaranteed returns for the chosen term. All policy provisions are aligned with Florida’s Department of Financial Services (DFS) requirements, including specific language for waivers and free-withdrawal rights.

At the end of the term, the contract automatically renews at Sentinel’s then-current declared rate unless the owner elects withdrawal or annuitization without penalty.

Equal to the accumulation value minus applicable surrender charges and Market Value Adjustment (MVA).

 mirrors the standard national product but 

complies with Florida-specific regulations

 regarding death benefit payouts and liquidity access. It offers guaranteed fixed interest, tax-deferred accumulation, and 10% annual penalty-free withdrawals or RMDs if greater. The product features nursing home and terminal illness waivers and optional riders for additional liquidity. Upon maturity, policyholders may renew, annuitize, or withdraw without penalty.

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.

 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

single-premium Multi-Year Guaranteed Annuity (MYGA) 

offering tax-deferred growth and guaranteed fixed interest over 5-, 7-, and 10-year terms. It provides full principal protection and flexible withdrawal options, including up to 10% penalty-free annually or Required Minimum Distributions (RMDs) if greater. The product includes nursing home and terminal illness waivers and optional riders to customize liquidity and death benefit provisions. Upon maturity, the contract can renew at current rates, annuitize, or withdraw without penalty.

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.

Personal Choice Annuity 3-Year Term (California Only)

single-premium MYGA designed exclusively for California residents.

 It guarantees fixed-rate accumulation with tax-deferred growth and full principal protection. This version complies with California-specific regulatory requirements and includes standard benefits such as 10% penalty-free annual withdrawals, RMD accessibility, and nursing home and terminal illness waivers. At maturity, policyholders can renew, annuitize, or withdraw funds without surrender charges.

Sentinel Security Life – Personal Choice Annuity 5, 7, 10-Year Terms (86–90 Age Bracket)

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

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

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

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