Rating downgrade — no longer offered by My Annuity Store
On January 23, 2026, AM Best downgraded Sentinel Security Life to a Financial Strength Rating of B (Fair) and placed it under review with negative implications (formerly B++). Because this falls below the financial-strength standard we require for new business, My Annuity Store no longer offers Sentinel Security Life annuities. This page remains for reference only. Always verify the current rating at ambest.com.
Consider instead: Athene, MassMutual Ascend, or compare current A-rated options on our live rate table.
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 (Fair) – downgraded Jan 23, 2026, under review (formerly B++) |
| 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 was downgraded by AM Best to B (Fair) on January 23, 2026 (from B++) and is under review with negative implications. For conservative buyers who typically require A-rated financial strength, this is an important consideration. Sentinel Security Life is overseen by the Utah Insurance Department. State guaranty associations provide backstop protection up to state-specific limits; see NOLHGA.com for details.
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 June 23, 2026
| Product | Term | Rate (APY) | Min Premium | Last Rate Change | |
|---|---|---|---|---|---|
|
Personal Choice Annuity 3
AM Best B |
3 Years | 6% | $2,500+ | Apr 11, 2026 | View Details → |
|
Personal Choice Annuity 3 (FL)
AM Best B |
3 Years | 5.9% | $2,500+ | Apr 11, 2026 | View Details → |
|
Personal Choice Annuity 3 (CA)
AM Best B |
3 Years | 5.7% | $2,500+ | Apr 11, 2026 | View Details → |
|
Personal Choice Annuity 5
AM Best B |
5 Years | 6.25% | $2,500+ | Apr 11, 2026 | View Details → |
|
Personal Choice Annuity 5 (FL)
AM Best B |
5 Years | 6.2% | $2,500+ | Apr 11, 2026 | View Details → |
|
Personal Choice Annuity 5 (CA)
AM Best B |
5 Years | 6.05% | $2,500+ | Apr 11, 2026 | View Details → |
|
Personal Choice Annuity 7
AM Best B |
7 Years | 6.25% | $2,500+ | Apr 11, 2026 | View Details → |
|
Personal Choice Annuity 7 (FL)
AM Best B |
7 Years | 6.2% | $2,500+ | Apr 11, 2026 | View Details → |
|
Personal Choice Annuity 7 (CA)
AM Best B |
7 Years | 6.05% | $2,500+ | Apr 11, 2026 | View Details → |
|
Personal Choice Annuity 10
AM Best B |
10 Years | 6.25% | $2,500+ | Apr 11, 2026 | View Details → |
|
Personal Choice Annuity 10 (FL)
AM Best B |
10 Years | 6.15% | $2,500+ | Apr 11, 2026 | View Details → |
|
Personal Choice Annuity 10 (CA)
AM Best B |
10 Years | 6.05% | $2,500+ | Apr 11, 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?
- Reference only: Following the January 2026 AM Best downgrade to B (Fair), My Annuity Store no longer offers Sentinel Security Life for new annuity contracts.
- 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.
Sentinel Security Life Pros and Cons
Here is a balanced look at Sentinel Security Life’s strengths and limitations for annuity buyers:
Pros
- May offer competitive rates to attract new business
- Offers MYGA products with guaranteed rates and predictable returns
- Available through independent agents, allowing side-by-side comparisons with other carriers
Cons
- Below A-range AM Best rating, which many independent agents consider the minimum for new annuity purchases
- Product availability varies by state, so not all products may be offered where you live
- Surrender charges apply during the contract term, which limits liquidity
Frequently Asked Questions About Sentinel Security Life
Is Sentinel Security Life a safe company for annuities?
Sentinel Security Life was downgraded by AM Best to B (Fair) on January 23, 2026 (from B++) and is under review with negative implications – below the A-range standard we require for new business, which is why My Annuity Store no longer offers it. State guaranty associations provide backstop protection up to state-specific limits (see NOLHGA.com); that coverage is a safety net, not a substitute for carrier strength.
What types of annuities does Sentinel Security Life offer?
Sentinel Security Life offers MYGAs through independent agents and financial professionals. Product availability, rates, and features vary by state. Use our rate comparison tool to see what’s currently available from Sentinel Security Life and competing carriers.
How do I buy an annuity from Sentinel Security Life?
Sentinel Security Life annuities are sold through licensed insurance agents. My Annuity Store is an independent platform that can quote Sentinel Security Life alongside 20+ other carriers so you can compare rates, terms, and financial strength ratings in one place. Request a free quote or call 855-583-1104 to get started.
How Does Sentinel Security Life Compare to Other Carriers?
The annuity marketplace in 2026 is competitive, with dozens of carriers vying for your business. Before committing to any single carrier, it pays to compare at least three to five options side by side. Key factors to evaluate include:
- AM Best financial strength rating – look for A- or higher for maximum peace of mind
- Guaranteed interest rate and term – even a 0.10% difference compounds significantly over a 5- to 10-year contract
- Surrender charge schedule – understand when you can access your money penalty-free
- Free withdrawal provisions – most carriers allow 10% annual withdrawals without penalty
Our live rate comparison tool shows current rates from Sentinel Security Life and all competing carriers updated daily. You can also request a personalized comparison from our team.
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.
