Sentinel Security Life Accumulation Protector PlusSM (APP) Annuity
Product Overview
Why Sentinel Security Life Accumulation Protector PlusSM (APP) Annuity
Launched in 2020, the Accumulation Protector PlusSM (APP) Annuity is a fixed indexed annuity built to deliver in all market conditions. Whether your client is looking for accumulation, protection, stability, or performance, the APP annuity has a total-package of enhanced features and benefits, and a proven track record of performance and reliability that sets it apart from the competition.
Product Highlight
- Guaranteed participation rates for 10 years.1
- NEW 10% Premium Bonus.2
- NEW 10% Cap Rate on the S&P 500® 1 Year Point-to-Point (12.25% with rider).
- 4.75% Fixed Rate.
- Trigger Rate strategy that credits 9% when the index breaks-even or performs positively.
- Exclusive access to the CS Momentum Index and the CS ESG Macro 5 Index.
- Optional Rate Enhancement Rider, which gives higher Participation, Cap, Trigger, and Fixed Rates, and increases the free withdrawal amount to 10% (after the first contract year).
- Eleven flexible crediting strategies to choose from for accumulation needs.
- Consistent Rate History with rates steadily increasing since launch across all strategy options.
Interested in Getting Contracted?
Complete the fields below and we’ll connect you to one of our marketing directors to begin the process
Email Us
Interest Rates as of 9/25/23. Sentinel Security Life Insurance Company is a member of the A-CAP Family. Guarantees rely on the financial strength and claims-paying ability of Sentinel Security Life Insurance Company independently. Neither Company offers legal or tax advice. Rates are subject to change. Products, Riders and features are not available in all states and are subject to change without notice. See annuity contract, agent field guide, rate sheet, and statement of understanding for all terms and conditions. Fixed Index Single Premium Deferred Annuity Contract with Premium Bonus; ICC19-SSLACCFIAPOL; ICC19-ACLACCFIAPOL; or state variation thereof. Jurisdiction and product limitations or restrictions may apply. Informational purposes only. This communication does not constitute a company warranty.
1 The Participation Rates for the CS 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 CS Momentum Index. The Participation Rates for the CS ESG 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 CS ESG Macro 5 Index.
2 Funds can be accessed subject to a vesting schedule.
A.M. Best B++ (Good) with Stable Outlook as of August 2023.
The “S&P 500®” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Sentinel Security Life Insurance Company. Standard & Poor’s® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Sentinel Security Life Insurance Company. Accumulation Protector PlusSM Annuity is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P®, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500®.
The CS Momentum Index, the CS ESG Macro 5 Index (the “Indices”), and any trademarks, service marks and logos related thereto are service marks of Credit Suisse Group AG, Credit Suisse International, or one of their affiliates (collectively, “CS”). CS has no relationship to Sentinel Security Life Insurance Company, other than the licensing of the CS Momentum Index and the CS ESG Macro 5 Index and its service marks for use in connection with the Accumulation Protector PlusSM Annuity and certain hedging arrangements and is not a party to any transaction contemplated hereby. CS shall not be liable for the results obtained by using, investing in, or trading the Accumulation Protector PlusSM Annuity. CS has not created, published or approved this document and accepts no responsibility or liability for its contents or use. Obligations to make payments under the Accumulation Protector PlusSM Annuity are solely the obligation of Sentinel Security Life Insurance Company and are not the responsibility of CS.
There is currently no universal definition or exhaustive list defining the issues or factors that are covered by the concept of “ESG” (Environmental, Social, Governance). CS’s view of ESG is based solely on CS’s current opinions, assumptions, and interpretations, which may evolve over time and are subject to change.
MSCI Indices are the exclusive property of MSCI Inc. (“MSCI”). MSCI and the MSCI index names are service mark(s) of MSCI or its affiliates and have been licensed for use for certain purposes by CS. The financial product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to such financial product. The annuity contract or other governing disclosure document contains a more detailed description of the limited relationship MSCI has with CS and any related financial product. No purchaser, seller or holder of this financial product, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote this financial product without first contacting MSCI to determine whether MSCI’s permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI. F
Copyright ©2023 YourFMO.com, LLC. All rights reserved. For Agent use only. Rates are subject to change. Certain exclusions, restrictions and limitations may apply; please contact your marketer for more information. Not affiliated with the United States government or the federal Medicare program.