Sentinel Security Life Insurance Company

Sentinel Security Life

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Financial Ratings

A.M. Best B++Under Review

About Sentinel Security Life

Sentinel Security Life Insurance Company, founded in 1948 and headquartered in Salt Lake City, Utah, is a long-established U.S. insurer specializing in annuities, life insurance, and supplemental health products. The company is a member of the A-CAP (Atlantic Coast Life Insurance Company) Group, giving it access to shared financial resources, investment management, and risk controls across the group’s nationwide operations.

Sentinel’s annuity lineup includes its flagship Personal Choice Annuity (a customizable MYGA series), Guaranteed Income Annuity, and Accumulation Protector products, which combine fixed rates with optional riders for liquidity or enhanced growth. The company’s focus is on principal protection, tax-deferred accumulation, and flexible design options tailored for retirement and income planning.

With a strong record of steady asset growth and financial stability, Sentinel is recognized for its personalized service, conservative investment approach, and efficient policyholder support through its parent group’s combined infrastructure.

Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

B

Description

Fair

Effective

January 23, 2026

Rating Analysis

Sentinel Security Life specializes in whole life insurance and offers a range of financial products. Their A.M. Best rating of B++ indicates a good ability to meet ongoing insurance obligations, but they are currently under review with negative implications due to factors such as high reinsurance leverage and declining counterparty credit quality, as well as ongoing efforts to raise capital and reduce counter party risk.

Sentinel Security Life Products

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