Sentinel Security Life

7 Year Term
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company Information

Company Name

Sentinel Security Life

product Name
Personal Choice Annuity 7 (CA Only)
Sentinel Security Life was founded in 1948. The company was founded to provide families a way to fund funeral expenses. Today, they offer a variety of annuity and insurance products. They changed their name from Sentinel Insurance Company to Sentinel Security Life Insurance Company in 1957. Sentinel wants to light the way for a more secure financial future for your family. They are based in Salt Lake City, UT. Sentinel annuities are sold through it's agent network in the United States.
am best rating
B+ Good (6th of 13 ratings)
Product Type
Product description

Fixed annuities are for conservative investors who want safety, security, and guarantees.

You will preserve your principal and earn a fixed rate of return.

You might hear fixed annuities also called CD-like annuities or multiple-year guarantee annuities (MYGA's).

If you are sensitive to loss and don't want to lose a penny, a fixed annuity might be a good fit for some of your savings.

Read our educational articles on fixed annuities to learn more.

Guaranteed Rate Lock Period:

The rate is locked for 45 days from the date of application. If the funds are received after that period the rate might be subject to change and will be the rate in effect at that time.

7 yrs
minimum investment
$ 2,500
maximum investment
$ 1,000,000
maximum age
withdrawal allowance
Free withdrawals during the contract term are not allowed. Riders can be added at a cost to permit free withdrawals. Otherwise, all money withdrawn will be charged based on the surrender charge schedule. Note that any withdrawals made prior to age 59½ will incur a 10% penalty from the IRS.

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*Please provide an investment amount before applying.

Guaranteed Returns

Choose an investment amount and we’ll show you how much you can earn.

Should be at least $2,500
The maximum investment is $1,000,000
The field is required.
15.10%$ ?$ ?$ ?
25.10%$ ?$ ?$ ?
35.10%$ ?$ ?$ ?
45.10%$ ?$ ?$ ?
55.10%$ ?$ ?$ ?
65.10%$ ?$ ?$ ?
75.10%$ ?$ ?$ ?
Total$ ?$ ?$ ?

Enter an investment amount to calculate your earnings and account balance over the life of the contract.

Surrender Charge Schedule

Surrender charges are a penalty charged to early withdrawals of annuity contract. They are a percentage of the withdrawal amount, decrease over time, and go to zero when the term ends.

percentage charged to withdrawal

market-value adjustment (MVA)

A market value adjustment is basically an additional charge or credit for taking money out early from an annuity.

They allow companies to pay a higher rate and make longer-term investments.

MVAs only affect you if you withdraw funds early. If you own the contract to maturity, they do not apply.

other Information

phone number(888) 433-4795
Product brochure
1.50-2.25%. We are paid from the insurance company general fund. It is not deducted from your account value. 100% of your money is working for you from day one. We could earn a higher commission based on sales volume and taking a more active role in the application process.
Rate Effective DateJune 21st 2024
premium TypeSingle Premium Annuity
account TypePersonal, Traditional IRA, Roth IRA, SEP-IRA, SIMPLE-IRA, 403(b).
Not available inThis product is only available in the following states (CA).
options at

30 Days prior to the end of your contract term, you will have the option to choose from the following.

1. Withdrawal any amount free of charges and fees.
2. If you do nothing, the contract renews for the same term and rates effective at that time.

death benefit provisionIf you pass away before the end of your annuity contract, your beneficiaries will receive the cash surrender value. The cash surrender value includes a possible surrender charge and market value adjustment unless they wait until the contract term ends. If your elected beneficiary is your spouse he/she can take the accumulated value without surrender charges at time of death.
taxesAnnuities typically grow tax-deferred. If you withdrawal money that has never been taxed, withdrawals are 100% taxable. Non-qualified withdrawals have been taxed already, so only interest is taxed. This is called an exclusion ratio. Interest would be taxed, but the principal would not. Please work with a qualified specialist.
surrender schedule
9%, 8%, 7%, 6%, 5%, 5%, 5%
free-look period20 Days
market value adjustmentYes
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