Personal Choice Annuity
™ was created with the flexibility to meet your needs. First, you have the choice of the duration of the annuity which can be five, seven, or ten years; meaning you will have access to your money when you need it. Current contribution limits are $2,500 to $1 million* Qualified or Non-Qualified. 

Sentinel's Personal Choice Annuity™ allows you to determine the optional features, called riders, that fit your needs.  In most cases annuities are loaded with optional riders that you don't want or need, giving you a lower interest rate during the life of the fully-loaded annuity.  With the Personal Choice Annuity™ you have the option of including only the features that you require, which will allow you to earn a higher interest rate.  You have the choice of six different optional riders.  You can pick and choose "a la carte" in any combination depending on your needs.  You pay only for the features you want.

Personal Choice Annuity™ allows you to add all optional riders at the beginning of the term of the annuity called the Guarantee Period. You may add the Required Minimum Distribution rider at the beginning of any subsequent guarantee period. With Sentinel's Personal Choice Annuity™, the choice is yours!

Personal Choice  Annuity
5 Year 3.25% 3.15% 2.95%
7 Year 3.40% 3.30% 3.10%
10 Year 3.50% 3.40% 3.00%



(applies to 5, 7, or 10-Year guaranteed periods)

Required Minimum Distribution .16%
Preferred 10% Free Withdrawal


72(t) Free Withdrawal .05%
Accumulated Interest Withdrawal .08%
Terminal Illness/Nursing Home Care** .15%
Death Benefit Feature*** .35%



* Any amount over $1 million will require home office approval
**Riders are not available in all states. Please contact an agent for more information.
***All Annuitants 86-90 are required to purchase Death Benefit Rider in all states except FL 





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