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fixed annuities

Multi-Year Guarantee Annuity Details

Personal Choice Annuity 10 (CA)

Product Name

Personal Choice Annuity 10 (CA)

Annuity Type

Multi-Year Guarantee Annuity

Issuing Insurance Company and Ratings

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

Product Information

The Personal Choice Annuity 10 is a deferred multi-year guarantee annuity issued by Sentinel Security Life Insurance Company.

The current 10 year guarantee period annual yield is 5.15% (see Rate Details below). This is the guaranteed annual yield, including bonuses if applicable, for the initial guarantee period term, up to the first penalty free full withdrawal window. The Personal Choice Annuity 10 has a full penalty free withdrawal window after 10 years.

This annuity also waives withdrawal penalties upon death. Your named beneficiary(ies) will receive a death benefit equal to the full accumulation value. A beneficiary may choose to receive their death benefit in either a lump sum or select an available annuitization option.

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: $2,500 - $1,000,000

10 Year Guarantee Period Annual Yield: 5.15%
Interest rate start of year 1 through end of year 10: 5.15%

Initial Surrender Charge and MVA Periods

10 years

10 years

10 years

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

Other Guarantee Periods Available

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

Available only in:  CA (as of 05/17/2023)


Surrender Charge Schedule is reduced to 8 years on issue ages 60+.

Base contract provides limited liquidity. The following optional riders are available to increase liquidity, but will reduce the annual interest rate credited by percentages shown:
Required Minimum Distribution – 0.16%
Preferred 10% Free Withdrawal – 0.08%
72(t) Free Withdrawal – 0.05%
Accumulated Interest Withdrawal – 0.08%