Sentinel Security Life has competed at the long end of the MYGA curve, which is why its 10-year rate often appears near the top of rate tables. On September 22, 2026, A.M. Best cut the carrier to C+ (Marginal) and kept it under review with negative implications, alongside its A-CAP sister company Atlantic Coast Life.
What Sentinel Security Life's C+ A.M. Best rating tells you
On September 22, 2026, A.M. Best cut Sentinel Security Life's Financial Strength Rating to C+ (Marginal) from B (Fair) and kept it under review with negative implications, citing weakening balance-sheet strength across its A-CAP parent group. 'Marginal' is A.M. Best's description of an insurer with a marginal ability to meet its ongoing insurance obligations — several notches below the A- level many buyers use as a floor.
Illustrative projection, not a prediction or a quote: $100,000 at a constant 5% for 20 years, a 24% bracket throughout, no withdrawals, fees or rate changes (a real contract's rate is guaranteed only for its term). Both lines after tax. Deferral changes when you pay tax, not whether; the net advantage here is $14,814, smaller if your bracket rises and larger if it falls.
With annuities, the insurer's strength is the guarantee, and a 10-year commitment ties your money to that strength for a full decade. Weigh the posted rate against a rating A.M. Best now describes as marginal, and if you already own a contract, ask a licensed professional about its terms and surrender charges before making any change.
Hard to recommend for new money while the rating review is unresolved, especially for long terms that tie your money to the carrier for up to a decade.
The high long-duration rate comes from a carrier A.M. Best now rates C+ (Marginal) and has under review with negative implications. A 10-year contract ties your money to that carrier for the full term.
Before you buy
Read how to vet carrier safety and how to buy an annuity, check today's MYGA rates, and compare Sentinel Security Life head-to-head in our best annuity companies ranking.