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.
MerQube/Diversified Disclaimer: 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 purchasers of the 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 such source, 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 securities generally or in Accumulation Protector PlusSM Annuity particularly, nor do they have any liability for any errors, omissions, or interruptions of the Input Data, Diversified Macro 5 Index, or any associated data. Neither MerQube nor the Data Providers make any representation or warranty, express or implied, to the owners of the Accumulation Protector PlusSM Annuity or to any member of the public, of any kind, including regarding the ability of the Diversified Macro 5 Index to track market performance or any asset class. The Diversified Macro 5 Index is determined, composed and calculated by MerQube without regard to Sentinel Security Life Insurance Company or the Accumulation Protector PlusSM Annuity. MerQube and Data Providers have no obligation to take the needs of Sentinel Security Life Insurance Company or the owners of Accumulation Protector PlusSM Annuity into consideration in determining, composing or calculating the Diversified Macro 5 Index. Neither MerQube nor any Data Provider is responsible for and have not participated in the determination of the prices or amount of Accumulation Protector PlusSM Annuity or the timing of the issuance or sale of Accumulation Protector PlusSM Annuity or in the determination or calculation of the equation by which Accumulation Protector PlusSM Annuity is to be converted into cash, surrendered or redeemed, as the case may be. MerQube and Data Providers have no obligation or liability in connection with the administration, marketing or trading of Accumulation Protector PlusSM Annuity. There is no assurance that investment products based on the Diversified Macro 5 Index will accurately track index performance or provide positive investment returns. MerQube is not an investment advisor. Inclusion of a security within an index is not a recommendation by MerQube to buy, sell, or hold such security, nor is it considered to be investment advice.
NEITHER MERQUBE NOR ANY OTHER DATA PROVIDER GUARANTEES THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE DIVERSIFIED MACRO 5 INDEX OR ANY DATA RELATED THERETO (INCLUDING DATA INPUTS) OR ANY COMMUNICATION WITH RESPECT THERETO. NEITHER MERQUBE NOR ANY OTHER DATA PROVIDERS SHALL BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. MERQUBE AND ITS DATA PROVIDERS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND THEY EXPRESSLY DISCLAIM ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY SENTINEL SECURITY LIFE INSURANCE COMPANY, OWNERS OF THE ACCUMULATION PROTECTOR PLUSSM ANNUITY, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE DIVERSIFIED MACRO 5 INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL MERQUBE OR DATA PROVIDERS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THE FOREGOING REFERENCES TO “MERQUBE” AND/OR “DATA PROVIDER” SHALL BE CONSTRUED TO INCLUDE ANY AND ALL SERVICE PROVIDERS, CONTRACTORS, EMPLOYEES, AGENTS, AND AUTHORIZED REPRESENTATIVES OF THE REFERENCED PARTY.
Attributions and Disclaimers with Respect to UBS AG: MERQUBE, INC. (“MQ”) is the sponsor of the Diversified Macro 5 Index. MQ has contracted with UBS AG or one of its affiliates (collectively, “UBS”) to license the use of the Global Equity Market 10% RC Index, UBS FX EM9 Momentum ER Index, UBS Global 26 FX Carry Excess Return Index, UBS Bond Futures Trend Index, UBS Commodities Custom Curve 145 Index, UBS Commodities Custom Trend x AL x Oil Index, and UBS CMCI Components Emissions Hedged USD Excess Return (collectively, the “UBS Indices”) in connection with the Diversified Macro 5 Index. The Diversified Macro 5 Index and Accumulation Protector PlusSM Annuity are not in any way sponsored, endorsed or promoted by UBS. UBS has no obligation to make any consideration in composing, determining or calculating the UBS Indices (or causing the UBS Indices to be calculated). In addition, UBS makes no warranty or representation whatsoever, express or implied, as to the results to be obtained from the use of the UBS Indices and/or the level at which the UBS Indices stands at any particular time on any particular day or otherwise. UBS shall not be liable, whether in negligence or otherwise, for any errors or omissions in the UBS Indices or in the calculation of the UBS Indices or under any obligation to advise any person of any errors or omissions therein. UBS shall not be liable for the results obtained by using, investing in, or trading the Diversified Macro 5 Index or Accumulation Protector PlusSM Annuity.
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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