Sentinel Security Personal Choice — 10-year fixed annuity at 6.25%
- Locks in 6.25% for 10 years
- Open with $2,500 to $1,000,000
Rates as of May 8, 2026
Projected balance
over 10 years
Compounded at 6.25% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $625 | $10,625 |
| 2 | $664 | $11,289 |
| 3 | $706 | $11,995 |
| 4 | $750 | $12,744 |
| 5 | $797 | $13,541 |
| 6 | $846 | $14,387 |
| 7 | $899 | $15,286 |
| 8 | $955 | $16,242 |
| 9 | $1,015 | $17,257 |
| 10 | $1,079 | $18,335 |
| Total earnings | $8,335 | $18,335 |
Free-withdrawal allowance: None. Withdrawals beyond the allowance trigger the surrender charge below.
- Rank vs. peers
- #1 — highest 10-year rate of 55 MYGAs we cover
Same product, other terms
Other Personal Choice terms from Sentinel Security
Projections shown for a $10,000 premium.
| Term | Rate | Projection | |
|---|---|---|---|
| 7-year | 6.25% | $15,286 | View → |
| 10-year | 6.25% | $18,335 | You're here |
If you withdraw early
Surrender charge schedule
Surrender charges apply to withdrawals beyond the free-withdrawal allowance during the contract term. The charge is a percentage of the amount withdrawn, decreasing each year. They exist because the carrier matches your premium against long-duration assets — early redemption forces them to unwind those positions.
| Contract year | Charge |
|---|---|
| Year 1 | 9.0% |
| Year 2 | 8.0% |
| Year 3 | 7.0% |
| Year 4 | 6.0% |
| Year 5 | 5.0% |
| Year 6 | 5.0% |
| Year 7 | 5.0% |
| Year 8 | 5.0% |
| Year 9 | 5.0% |
| Year 10 | 5.0% |
Contract terms
What else to know
Term
10 years guaranteed at 6.25% APY
Investment range
$2,500 – $1,000,000
Funding sources accepted
Roth Conversion (Full), Traditional IRA, Non-Qualified, Inherited IRA, 1035 Exchange, IRA Rollover, IRA Transfer, Stretch IRA, SIMPLE IRA, IRA-Roth, SEP IRA, 401k, TSP
Owner age
0 to 90 years old
Death benefit
Full accumulated value passes to your beneficiary, no surrender charge.
Maturity
30-day window at the end of the term to withdraw, reinvest, or convert to guaranteed income via annuitization.
Tax treatment
Interest accumulates tax-deferred. Personal post-tax funds: only the interest is taxable on withdrawal. Withdrawals before age 59½ may be subject to a 10% IRS penalty.
Source: Sentinel Security contract brochure (download PDF). Anything you act on should be confirmed against the carrier's most recent filing.
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