Sentinel Security Life Insurance Company is a Salt Lake City, Utah-based carrier with a long history of providing fixed annuity products to consumers through the independent agent channel. Founded in 1948, Sentinel Security Life has built a loyal following among MYGA buyers, particularly with its Personal Choice annuity series, which offers flexible terms and competitive rates. The company operates under Utah Department of Insurance oversight and benefits from Utah’s strong regulatory framework for insurance solvency.
This review covers Sentinel Security Life’s financial strength, annuity product lineup, and contact information.
Sentinel Security Life at a Glance
| Detail | Information |
|---|---|
| Full Legal Name | Sentinel Security Life Insurance Company |
| Headquarters | Salt Lake City, Utah |
| Founded | 1948 |
| AM Best Rating | B++ (Good) |
| Products Offered | MYGAs (Personal Choice series), Fixed Annuities |
| States Available | Most states (varies by product) |
| Minimum Premium | $5,000 (varies by product) |
Sentinel Security Life’s Financial Strength
Sentinel Security Life holds a B++ (Good) rating from AM Best — one notch below the A-rated threshold. For conservative buyers who typically require A-rated financial strength, this is an important consideration. For buyers focused primarily on yield, Sentinel’s B++ rating is accompanied by oversight from the Utah Insurance Department and coverage through the Utah Life and Health Insurance Guaranty Association (up to $250,000 per covered contract).
With over 75 years of continuous operation as a Utah-based carrier, Sentinel Security Life has maintained its focus on fixed annuity products throughout multiple interest rate cycles. Its longevity and consistent product focus distinguish it from newer entrants in the MYGA market.
What Types of Annuities Does Sentinel Security Life Offer?
- Multi-Year Guaranteed Annuities — Personal Choice Series: Sentinel Security Life’s Personal Choice MYGA is available in multiple term lengths and has earned a consistent reputation for competitive rates. The product provides a guaranteed fixed rate for the full contract term with no market exposure. Terms and rates are updated regularly in response to market conditions.
- Fixed Annuities: Additional fixed annuity products for conservative accumulation and tax-deferred growth.
Sentinel Security Life MYGA Rates
Current Sentinel Security Life MYGA rates from our live rate feed:
Current MYGA Rates
Live rates from AnnuityRateWatch · Rates updated March 26, 2026
| Product | Term | Rate (APY) | Min Premium | Last Rate Change | |
|---|---|---|---|---|---|
|
Personal Choice Annuity 3
AM Best B |
3 Years | 6% | $2,500+ | Mar 23, 2026 | View Details → |
|
Personal Choice Annuity 3 (FL)
AM Best B |
3 Years | 5.9% | $2,500+ | Mar 23, 2026 | View Details → |
|
Personal Choice Annuity 3 (CA)
AM Best B |
3 Years | 5.7% | $2,500+ | Mar 23, 2026 | View Details → |
|
Personal Choice Annuity 5
AM Best B |
5 Years | 6.25% | $2,500+ | Mar 23, 2026 | View Details → |
|
Personal Choice Annuity 5 (FL)
AM Best B |
5 Years | 6.2% | $2,500+ | Mar 23, 2026 | View Details → |
|
Personal Choice Annuity 5 (CA)
AM Best B |
5 Years | 6.05% | $2,500+ | Mar 23, 2026 | View Details → |
|
Personal Choice Annuity 7
AM Best B |
7 Years | 6.25% | $2,500+ | Mar 23, 2026 | View Details → |
|
Personal Choice Annuity 7 (FL)
AM Best B |
7 Years | 6.2% | $2,500+ | Mar 23, 2026 | View Details → |
|
Personal Choice Annuity 7 (CA)
AM Best B |
7 Years | 6.05% | $2,500+ | Mar 23, 2026 | View Details → |
|
Personal Choice Annuity 10
AM Best B |
10 Years | 6.25% | $2,500+ | Mar 23, 2026 | View Details → |
|
Personal Choice Annuity 10 (FL)
AM Best B |
10 Years | 6.15% | $2,500+ | Mar 23, 2026 | View Details → |
|
Personal Choice Annuity 10 (CA)
AM Best B |
10 Years | 6.05% | $2,500+ | Mar 23, 2026 | View Details → |
Rates apply to standard products. State availability varies. Not an offer or solicitation. Always verify current rates before purchasing.
Who Is Sentinel Security Life Best For?
- Rate-focused MYGA buyers comfortable with B++ strength: Sentinel’s Personal Choice rates are frequently competitive. For buyers who prioritize yield and keep allocations within guaranty association limits, Sentinel represents a real option.
- Buyers with a long history using Sentinel products: Sentinel’s 75+ year track record and stable product focus attract buyers who value a consistent, specialized carrier over a large diversified insurer.
- Buyers laddering MYGAs across multiple carriers: Pairing Sentinel with an A-rated carrier allows yield optimization while maintaining diversified credit quality.
Contact Sentinel Security Life
| Contact Method | Details |
|---|---|
| Website | www.sentinelsecuritylife.com |
| Customer Service | 1-800-645-8265 |
| Mailing Address | Sentinel Security Life Insurance Company 1 Triad Center, Suite 200 Salt Lake City, UT 84180 |
| Hours | Monday–Friday, 8 a.m.–5 p.m. MT |
Compare Sentinel Security Life Against Other Carriers: My Annuity Store compares Sentinel alongside Athene, F&G, EquiTrust, Oceanview, and 20+ other carriers. Get a free comparison quote or call 855-583-1104.
