Sentinel Security Life

Sentinel Security Life

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Why Sentinel Security Life Annuities?

After Sentinel released its Medicare Supplement product, they followed with the development of multiple innovative annuity products. The most popular product we sell from Sentinel is the Personal Choice Annuity, a MYGA with a 5-year term option. However, Sentinel offers 5 annuities, and all are worth looking at!

Sentinel has an AM Best Rating of B++.

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State Availability

Sentinel has a myriad of products available in many states. Check out the interactive Product Availability map to click on your state and see what's available.

Guaranteed Income Annuity

The Guaranteed Income Annuity can help protect your future from risk while also growing your retirement money.

This is designed to guarantee savings that last the entirety of a client’s life, provide a bright future and financial legacy to beneficiaries, or a combination of the two for those not completely sure of their retirement goals.

  • Retirement Protection with Minimal Risk
  • Guaranteed Income for Life
  • Additional First Year Premiums
  • Premium Bonus of Up to 10%
  • 10-Year Contract
  • Flexible Issue Ages

This income-driven annuity offers three riders, each addressing a different goal, making it versatile to cater to any retirement plan.

  • Guaranteed Lifetime Withdrawal Benefit Rider: Guarantees an amount of income for your lifetime; not available in all states.
  • Legacy Benefit Rider: Each year on your contract anniversary your Legacy Benefit Base will increase by the interest rates applied to your accumulation value, plus a guaranteed 4% stacked on top. Your death benefit has the potential to grow to 300% of the amount of your purchase payments.
  • Accumulation Benefit Rider: Your Benefit Base interest rate is 200% of interest applied to the Accumulation Value for the first roll-up period of 10 years. This is the only rider with zero fees.

Retirement Plus Multiplier

The Retirement Plus Multiplier Annuity is a fixed index annuity designed to help you prepare for your financial future and provides greater earnings potential than fixed rate options. You may elect to allocate your funds among several index crediting strategies and a fixed rate option. (Based on the S&P 500.)

  • Participate in potential market index growth
  • Protect accumulation value from market loss
  • Provide retirement income for your lifetime
  • Choose from a variety of options to best fit your financial needs

Riders include:

  • Accumulation Buy Up Rider: the participation and cap rates are increased so your annuity benefits from more of the market’s positive performance. You will still have the benefit of a 0% guaranteed minimum crediting rate.
  • Guaranteed Lifetime Withdrawal Rider (GLWB): Generate a stream of income for life – Income enhancing bonus of up to 100% of your initial investment

Personal Choice Plus+ Annuity

Personal Choice Plus+ Annuity offers you four interest crediting methods to choose from, giving you the power to choose how you want your investments to grow. (Based on the S&P 500.)

  • Fixed Interest Rate: Initial rate guaranteed for 5 years.
  • Annual Point to Point: Closest you can get to investing directly in the market without exposure to market losses.
  • Monthly Averaging: Potential to yield higher earnings when there are market increases.
  • Monthly Sum: This option offers the opportunity to earn the highest interest.

Personal Choice Annuity

  • Available in 5, 7, or 10-year terms
  • Excellent rate!!
  • One of our most popular MYGAs here at New Horizons

Six available riders:

  • Required Minimum Distribution*
  • Accumulated Interest Withdrawal*
  • Preferred 10% Free Withdrawal*
  • 72(t) Free Withdrawal*
  • Terminal Illness/Nursing Home Care*
  • Death Benefit Feature*

*Riders not available in all states

Read more in the 5-Year Annuity Tip Sheet!

Summit Bonus Index Annuity

Offering multiple investing strategies based off the S&P 500®, allocate your funds as you see fit with no damage to your principal. Also available is an Income Rider, which provides you with a steady stream of income for life.

Five indexing options:

  • Fixed Account
  • Annual Point to Point
  • Monthly Averaging
  • Monthly Sum
  • Daily Averaging

An available Income Rider can provide you with guaranteed income for life. Also, a Premium Bonus is immediately deposited into your annuity when your policy is set up (subject to a vesting schedule).

New to Annuity Sales?

Annuity sales are a huge opportunity for independent agents in the senior market. If you want to learn how to sell annuities to seniors, you've come to the right place!

Check out our complete guide here: The Ultimate Guide to Selling Annuities In the Senior Market

Also, check out this video from annuity all-star, Michael Sams:


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This product may be available in other states not listed. Please contact us to inquire.