APP Offers the Total Package
- Guaranteed Participation Rates for 10 years1 on select strategies.
- 5% Premium Bonus.
- 5% Cap on S&P 500® 1-year point-to-point strategy.
- Exclusive access to the Momentum Index and the Diversified Macro 5 Index.
- Optional Rate Enhancement Rider, which gives higher Par, Cap, Trigger and Fixed Rates.
- 11 flexible crediting strategies options.
- Consistent rate history, backed by Sentinel’s Rate Integrity philosophy.
The Accumulation Protector PlusSM Fixed Indexed 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.
Key Features
10-Year Rate Guarantee1
With the selection of the Momentum Index and Diversified Macro 5 Index 1-year point-to-point crediting strategies and the Momentum Index and Diversified Macro 5 Index 2-year point-to-point crediting strategies, the participation rates are guaranteed for 10 years from the annuity issue date.1 Know what is to come and find trust in the APP annuity’s rate guarantees when there is a predictable road ahead.
Backed by Rate Integrity
All APP annuity rates are backed by Sentinel’s Rate Integrity philosophy – a thoughtful and consistent business approach – to establish, manage, and maintain competitive rates to the highest extent possible over the life of the contract.
Eleven Crediting Strategies
Needs differ from client to client and can often change. That is why the APP annuity gives the power of flexibility so policyholders can choose how their premium is allocated across ten indexed accounts, and a fixed account option. Indexed accounts are also linked to three different indices, with many rates guaranteed for 10-years.1
1 The Participation Rates for the 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 Momentum Index. The Participation Rates for the Diversified 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 Diversified Macro 5 Index.
Built to Deliver in All Market Conditions
The APP annuity offers eleven flexible crediting strategies, one fixed account strategy for a stable growth option, and ten index strategies based on three different indices – the Momentum Index, the Diversified Macro 5 Index, and the S&P 500® Index. See our flexible crediting strategies table for more details about how each crediting strategy performs.
* The Participation Rates for the 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 Momentum Index.
** The Participation Rates for the Diversified 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 Diversified Macro 5 Index.
Performance You Can Count On
Protection is the cornerstone of the Accumulation Protector PlusSM Annuity. Whether the market goes up, down, or remains the same, the policyholder’s principal is guaranteed not to decrease2 due to market performance and is protected through the APP’s Fixed and Indexed Accounts.
2If Rate Enhancement Rider is purchased, the principal will not decrease due to market performance but could decrease due to the rider fee.
The APP gives policyholders exclusive access to the Momentum Index and the Diversified Macro 5 Index, while also offering strategies linked to the well-established Standard and Poor’s Composite Stock Price Index (“S&P 500®” Index), and a Fixed Account that provides a guaranteed rate of return. The Momentum Index, the Diversified Macro 5 Index, S&P 500® Index and the Fixed Account provide opportunities to accumulate wealth over time.
This annuity offers a diversified set of fixed and indexed crediting strategies with 1, 2, or 3 year periods that allow the policyholder and their advisor to choose the accounts and periods that most align with their goals. Additionally, the policyholder can adjust the allocations on the policy anniversary, coinciding with the end of the crediting period, to continue to meet their changing needs.
Help your client achieve greater financial confidence as well as their lifestyle, retirement income, and legacy goals by taking advantage of the flexible options provided by the Accumulation Protector PlusSM Annuity. These strategies were created to help protect what your client has worked hard for. Additionally, the APP was designed to provide your client with opportunities to accumulate wealth, so they can rest easy in retirement knowing they’re preserving the legacy they have built.
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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 Momentum Index and Diversified Macro 5 Index are volatility-controlled indexes that may include a fee in the computation of the index value.
Neither MerQube, Inc. nor any of its affiliates (collectively, “MerQube”) is the issuer or producer of Accumulation Protector PlusSM Annuity and MerQube has no duties, responsibilities, or obligations to investors in Accumulation Protector PlusSM Annuity. The index underlying the Accumulation Protector PlusSM Annuity is a product of MerQube and has been licensed for use by Sentinel Security Life Insurance Company. Such index is calculated using, among other things, market data or other information (“Input Data”) from one or more sources (each a “Data Provider”). MerQube® is a registered trademark of MerQube, Inc. These trademarks have been licensed for certain purposes by Sentinel Security Life Insurance Company in its capacity as the issuer of the Accumulation Protector PlusSM Annuity. Accumulation Protector PlusSM Annuity is not sponsored, endorsed, sold or promoted by MerQube, any Data Provider, or any other third party, 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 Input Data, Diversified Macro 5 Index or any associated data.
The Momentum Index, (the “Index”), and any trademarks, service marks and logos related thereto are service marks of Solactive AG (“Solactive”). Solactive has no relationship to Sentinel Security Life Insurance Company, other than the licensing of the Momentum Index and its service marks for use in connection with the Accumulation Protector PlusSM Annuity and is not a party to any transaction contemplated hereby. The Accumulation Protector PlusSM Annuity is not sponsored, endorsed, or promoted by Solactive in any way and Solactive makes no express or implied representation, guarantee or assurance regarding the quality, accuracy and/or completeness of the Index, and the results obtained or to be obtained by any person or entity from the use of the Index. Solactive reserves the right to change the methods of calculation or publication with respect to the Index. Solactive shall not be liable for any damages suffered or incurred because of the use (or inability to use) of the Index. Solactive shall not be liable for the results obtained by using, investing in, or trading the Accumulation Protector PlusSM Annuity. Solactive 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 Solactive.
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