The Accumulation Protector PlusSM Annuity
It Is Time to Protect What You Have Worked So Hard to Build
Whether it is for retirement, legacy, or lifestyle, you have worked hard to earn a living and build your wealth. You have pushed through the daily grind for decades and have finally arrived at a new chapter in life. And while it may be time to start thinking about retirement income and protecting your wealth from unnecessary risk, it does not mean that your wealth needs to stop working for you.
The Accumulation Protector PlusSM Annuity (APP) is a fixed indexed annuity designed to both accumulate wealth, and protect it against future market downturns. With access to its exclusive and flexible crediting strategies, the APP offers protection and growth potential in any market.*
With the Accumulation Protector PlusSM Annuity, it is finally time to let your money do the hard work for you, while having the peace-of-mind that your wealth is protected for what you have in store.
What is a Fixed Indexed Annuity?
A Fixed Indexed Annuity is a tax-deferred, stable, financial option designed to grow your premium and protect it if the market drops. This product is typically accompanied with multiple crediting strategies that you can choose to participate in. These crediting strategies include at least one indexed account and may also include a Fixed Rate account, as seen with the Accumulation Protector PlusSM Annuity. When you select an indexing strategy, you are credited interest at the end of the crediting period in the event the index value grows.
A Fixed Indexed Annuity offers access to more interest growth potential as the market performs positively. In addition to growth potential, a Fixed Indexed Annuity offers protection of principal in several different ways. You do not lose money, including interest earned during previous crediting periods, if the index value drops because your money is allocated to the annuity itself rather than directly to the index (or indices). Additionally, the indexed accounts typically offer a minimum guaranteed interest rate of at least 0%.
Protection Plus Growth Potential in Any Market
Protect Your Principal
Protection is the cornerstone of the Accumulation Protector PlusSM Annuity. Whether the market goes up, down, or remains the same, your principal is guaranteed not to decrease** due to market performance and is protected through the APP’s Fixed and Indexed Accounts.
Accumulate Wealth
The APP Annuity gives you exclusive access to the Momentum Index, the Diversified Macro 5 Index, the well-established Standard and Poor's Composite Stock Price Index ("S&P 500®" Index), and a Fixed Account that provides a guaranteed rate of return. The Momentum Index, the Diversified Macro 5 Index, S&P 500® Index and the Fixed Account provide opportunities to accumulate wealth over time.
Choose from Flexible Crediting Strategies
Not everyone has the same financial goals, nor the same time horizon for achieving those goals. It is because of these different objectives that Flexibility is another key component of the Accumulation Protector PlusSM Annuity. This annuity offers a diversified set of fixed and indexed crediting strategies with 1, 2 or 3 year periods that allow you and your advisor to choose the accounts and periods that most align with your goals. Additionally, you can adjust the allocations on the policy anniversary, coinciding with the end of the crediting period, to continue to meet your changing needs.
Preserve Your Lifestyle
Achieve greater financial confidence and achieve the goals you have set for your lifestyle, retirement income and legacy by taking advantage of the flexible options provided by the Accumulation Protector PlusSM Annuity. These strategies were created to help protect what you have worked hard for and provide opportunities to accumulate wealth, so you can rest easy in retirement knowing you are preserving the legacy you have built.
* The Accumulation Protector PlusSM Annuity offers growth potential whether the market goes up, down, or remains the same. ** If Rate Enhancement Rider is purchased, principal will not decrease due to market performance but could decrease due to the rider fee.
*** The Participation Rates for the Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Sentinel Security Life Insurance Company continues to have access to the Momentum Index.
**** The Participation Rates for the Diversified Macro 5 Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Sentinel Security Life Insurance Company continues to have access to the Diversified Macro 5 Index.
SENTINEL SECURITY LIFE INSURANCE COMPANY IS A MEMBER OF THE A-CAP FAMILY