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fixed annuities

Fixed Indexed Annuity Details

Personal Choice Plus+

Product Name

Personal Choice Plus+

Annuity Type

Fixed Indexed Annuity

Issuing Insurance Company and Ratings

(5th of 15 ratings)
Not Rated
Not Rated
Not Rated
Not Ranked

Product Information

The Personal Choice Plus+ is a deferred fixed indexed annuity issued by Sentinel Security Life Insurance Company.

When your full premium deposit is allocated to the fixed interest account, the current first year yield (including bonus if applicable) is 3.00% (see Rate Details below).

You can also allocate your premium between various strategy and index account options. For complete details on index account options, including current cap and participation rates, please contact AnnuityAdvantage at 1.800.239.0356.

Details on additional penalty waivers can be found in the Penalty Free Withdrawal Provisions section below.

Sentinel Security Life Insurance Company is rated “B++” by A.M. Best, was founded in 1948, and has over $879 million in total assets.

Rate Details

Premium Amount: $5,000 - $1,000,000

Fixed Account First Year Yield: 3.00%
Fixed Account Current Interest Rate: 3.00%
Fixed Account Guaranteed Minimum Interest Rate: 3.00%
Index Accounts - Annual Cap and Participation Rates:
S&P 500 - Point-to-Point Cap: 4.10%

Initial Surrender Charge and MVA Periods

5 years

5 years

5 years

State variations may exist, refer to product disclosure for details.

Policy Details

Penalty Free Withdrawal Provisions


See product brochure, disclosure and riders for additional details, limitations and availability. State variations, age restrictions and holding periods may apply.

State Variations

Not available in:  AK, CA, CT, DE, DC, FL, ID, ME, MA, MI, MO, NH, NJ, NY, TN, VT, VA, WV and WI (as of 07/01/2020)


Death Benefit: If the optional Death Benefit Feature is not selected the Death Benefit is equal to the Cash Surrender Value. If the sole primary beneficiary is the surviving spouse of the Owner, the spouse may continue the Policy and become the new Owner.

Base contract provides zero liquidity. The following optional riders are available (annual fee deducted from accumulation value) to increase liquidity:
Required Minimum Distribution – 0.16% fee
Preferred 10% Free Withdrawal – 0.08% fee
Death Benefit Feature – 0.35% fee
Accumulated Interest Withdrawal – 0.08% fee

Owner’s issue age 86-90 are required to purchase Death Benefit Feature.