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Sentinel Security Life Insurance Company Personal Choice Annuity 10 (CA)

10-year multi-year guaranteed annuity from Sentinel Security Life Insurance Company

Guaranteed Rate
6.05%
Locked for 10 years
$100,000 grows to
$179,931
Guaranteed at maturity · +$79,931 interest
Financial Strength
A.M. Best B
Fair · 7th highest of 13
Minimum to Open
$2,500
Cash, IRA, or 401(k) rollover

What Your Money Earns

Enter your amount to see the guaranteed value, year by year. No market risk, no annual fees.

$
At 6.05% for 10 years, $100,000 grows to $179,931.30 +$79,931.30 in guaranteed interest
YearStarting BalanceInterest CreditedEnding Balance
Year 1 $100,000.00 +$6,050.00 $106,050.00
Year 2 $106,050.00 +$6,416.03 $112,466.03
Year 3 $112,466.03 +$6,804.19 $119,270.22
Year 4 $119,270.22 +$7,215.85 $126,486.07
Year 5 $126,486.07 +$7,652.41 $134,138.47
Year 6 $134,138.47 +$8,115.38 $142,253.85
Year 7 $142,253.85 +$8,606.36 $150,860.21
Year 8 $150,860.21 +$9,127.04 $159,987.25
Year 9 $159,987.25 +$9,679.23 $169,666.48
Year 10 $169,666.48 +$10,264.82 $179,931.30

Assumes the contract is held to maturity and interest compounds annually at the locked rate, with no withdrawals. Interest grows tax-deferred until withdrawn. Use our single premium immediate annuity calculator if you are looking for lifetime income instead.

Accessing Your Money

What you can withdraw without penalty during the 10-year term, and what an early exit costs.

Free withdrawals · Year 1 0%
Free withdrawals · Years 2+ 0%
Interest-only withdrawals No
At the end of the term Withdraw, renew, or transferFull value, no charges

Is Your Money Safe?

Your guarantees are backed by Sentinel Security Life Insurance Company's claims-paying ability, so carrier strength matters.

Issuing insurance company Sentinel Security Life Insurance Company
A.M. Best financial strength rating B Fair · 7th highest of 13

A.M. Best rates an insurer's ability to pay its obligations. State guaranty associations also provide a layer of protection for annuity owners, with limits that vary by state.

Can You Buy This Annuity?

Three quick checks: your state, your deposit amount, and your age.

Available in:1 state
Not available in:AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
View all available states
CA
Minimum deposit · Cash (non-qualified) $2,500
Minimum deposit · IRA / 401(k) rollover $2,500
Maximum deposit $1,000,000
Maximum age to apply 90

Full Product Details

Everything above, plus the brochure, in one reference table.

A.M. Best RatingBFair · 7th highest of 13
Guaranteed Rate6.05%
Term Length10 years
Free Withdrawal · Year 10%
Free Withdrawal · Years 2+0%
Interest WithdrawalsNo
Min Premium · Non-Qualified$2,500
Min Premium · Qualified (IRA)$2,500
Maximum Premium$1,000,000
Max Issue Age · Non-Qualified90
Max Issue Age · Qualified90
Product BrochureDownload PDF →

What Our Clients Say

4.9
★★★★★
44 verified client reviews
Sourced from BBB · verify on BBB
Read All Reviews →
★★★★★ BBB
Michael Z.

Had no problems dealing with Kiara. Two annuities opened under her guidance. Everything was as she explained.

★★★★★ BBB
Dennis Benner

We have been using this company for several years. They are knowledgeable on all facets of their annuity products. Their customer service is outstanding. I highly recommend them for annuity purchases.

★★★★★ BBB
John Fiebiger

I have worked with Kiara for over a year, and she has been outstanding. She is always prompt, helpful, informative and kind. Kiara fully understands her products and has always looked out for my best interests. I highly recommend speaking with Kiara for help with your financial support.

Read all client reviews →

How to Apply

Most applications take about 10 minutes online, or we can complete it with you over the phone.

1Compare & SelectChoose your term and rate.
2Online Pre-AppQuick 5-minute digital form.
3Specialist ReviewA quick call to verify details.
4Direct FundingE-sign and transfer funds.
Personal IdentificationSocial Security Number and a valid Driver's License or ID.
Beneficiary InfoLegal names, dates of birth, and SSNs for your beneficiaries.
Funding DetailsBank account/routing numbers or statements for 1035 exchanges.
Suitability InfoBasic understanding of your liquid assets and net worth.

Ready to lock in 6.05%?

Apply online in about 10 minutes, or talk to a licensed agent first.

Prefer to talk on your schedule? Schedule a call →

Live rate feed Last updated July 25, 2026. Rates refresh every 6 hours via the AnnuityRateWatch API. Subject to change without notice.

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