Sentinel Security Personal Choice ages 60+ — 10-year fixed annuity at 6.15%
- Locks in 6.15% for 10 years
- Open with $3,000 to $1,000,000
Rates as of May 8, 2026
Projected balance
over 10 years
Compounded at 6.15% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $615 | $10,615 |
| 2 | $653 | $11,268 |
| 3 | $693 | $11,961 |
| 4 | $736 | $12,696 |
| 5 | $781 | $13,477 |
| 6 | $829 | $14,306 |
| 7 | $880 | $15,186 |
| 8 | $934 | $16,120 |
| 9 | $991 | $17,111 |
| 10 | $1,052 | $18,164 |
| Total earnings | $8,164 | $18,164 |
Free-withdrawal allowance: None. Withdrawals beyond the allowance trigger the surrender charge below.
- Rank vs. peers
- #2 of 52 (top is 6.25% — Sentinel Security Personal Choice)
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 The charge is a percentage of the amount withdrawn, decreasing each year.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 | 8.0% |
| Year 2 | 7.0% |
| Year 3 | 6.0% |
| Year 4 | 5.0% |
| Year 5 | 4.0% |
| Year 6 | 3.0% |
| Year 7 | 2.0% |
| Year 8 | 1.0% |
Contract terms
What else to know
Term
10 years guaranteed at 6.15% APY
Investment range
$3,000 – $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
60 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.
First time looking at fixed annuities? How they compare to a CD →