Client BrochureStandard

Sentinel Plan®

ACCUMULATION PROTECTOR PLUSSM

ANNUITY

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It is Time to Protect Your Retirement

What is a Fixed Indexed Annuity?

You have worked hard to create the life you’ve built. You have pushed through the daily grind for decades and have finally arrived at a new chapter in life, Retirement. Retirement comes with more time – more time for family, more time for adventure, and more time for reaching new goals. Certainly, you do not want to spend this valuable time managing your financial security.

The Accumulation Protector Plus Annuity is a fixed indexed annuity designed to help you accumulate wealth and protect your retirement. With access to exclusive and flexible crediting strategies, this annuity offers growth potential in numerous types of markets.

With the Accumulation Protector Plus Annuity, it is finally time to sit back, relax and watch your money do the hard work for you.

A Fixed Indexed annuity is a tax-deferred, lower risk, financial option designed to grow your premium and protect it if the market drops. This product is typically accompanied with multiple crediting strategies that you can choose to participate in. These crediting strategies include at least one indexed account and may also include a Fixed Rate account, as seen with the Accumulation Protector Plus. When you select an indexing strategy, you are credited interest in the event the index value grows.

This product can help you accumulate more value than a Fixed Annuity. A Fixed Annuity offers just one fixed return rate compared to a Fixed Indexed Annuity which offers access to more interest growth potential as the market performs positively.

In addition to growth potential, a Fixed Indexed Annuity offers protection of principal in several different ways. You do not lose money if the index value drops as a result of your money being allocated to the annuity rather than directly to the index (or indices). Additionally, the indexed accounts typically offer a minimum guaranteed interest rate of at least 0%.

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The Accumulation Protector Plus can be a wonderful growth vehicle for those looking to accumulate wealth and protect their retirement.

If the below sounds like you, the Accumulation Protector Plus may be the annuity you have been searching for!

• You have a low-tolerance for risk, and typically invest in CDs, Savings Bonds, Money Market Funds, and Treasury Bills.

• You are looking for a long-term strategy to grow your principal (ideally around 10 years).

• You like to save your hard earned money.

• You want to preserve the legacy you have built by accumulating more wealth in a reliable way.

• You enjoy having lots of flexible allocation options when growing your money.

• Access to a global, risk-monitored index with a diversified portfolio sounds appealing.

• You are thinking about retiring soon or have retired.

Is the Accumulation Protector Plus Right for You?

Preparing for Retirement

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Stability is the name of the game with the Accumulation Protector Plus Annuity. Whether the index performs, drops, or remains the same, your principal is protected through the product’s Fixed Account and Indexed Accounts. The Fixed Account offers a predictable interest return that you will receive no matter how the index performs. Similarly, the Indexed Accounts have a Guaranteed Interest Rate of 0%, so your account value is not exposed to downside risk. The Accumulation Protector Plus Annuity becomes a no brainer with that type of protection – enhance your future, stress-free.

The more options, the better. The Accumulation Protector Plus Annuity offers access to a diversified set of crediting strategies. You will have the flexibility to choose how a single premium is allocated across a Fixed Account and six Indexed Accounts – so your money can grow as you see fit. You will be able to adjust your allocations each year, after your policy anniversary, to meet your changing needs.

This product will give you exclusive access to the Credit Suisse Momentum Index. The Credit Suisse Momentum Index and the Standard and Poor’s Composite Stock Price Index (hereafter referred to as the “S&P 500”) are both linked to the Accumulation Protector Plus Annuity’s indexed accounts. The indexed accounts offer great earnings potential on your premium over time.

Achieve a greater financial confidence and retirement lifestyle. The Accumulation Protector Plus was created to help you accumulate more wealth, so you can rest easy in retirement knowing you are preserving the legacy you have built.

Protection Plus Growth Potential in Any MarketProtect Your Principal

Choose from Flexible Crediting Strategies

Accumulate Wealth

Preserve Your Legacy

Choose from Seven Growth StrategiesYou have the flexibility to choose how your single premium is allocated across seven crediting strategies. These crediting strategies include a Fixed Account and six Indexed Accounts linked to two equity indices, the Credit Suisse Momentum Index and the S&P 500TM Index. We know that your life and needs are ever-evolving, and that is why you can adjust your allocations after the policy anniversary each year.

The crediting periods for the Accumulation Protector Plus’s crediting strategies range from one, two, or three years. The crediting strategies include a Fixed Rate account, Trigger Rate account, and several Point-to-Point with Participation Rate or Cap Rate accounts. A Point-to-Point strategy measures the difference in the index’s value on each policy anniversary, comparing it to the value of the index either a year earlier, two years earlier, or three years earlier, depending on the option you choose.

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CREDITING STRATEGY OPTIONS DESCRIPTION

Credit Suisse Momentum Index

One-year point-to-point crediting period with Participation Rate Allocate to this account with a Participation Rate.

The Participation Rate allows you to access a percentage of the index’s growth for the crediting period.

With the Participation Rate, if the index does not perform positively, your Account does not lose value.

Two-year point-to-point crediting period with Participation Rate

Three-year point-to-point crediting period with Participation Rate

One-year crediting period with Trigger Rate

The premium allocated to the Trigger Rate Account will earn interest at a specified rate if the market performs positively or breaks-even. If the index does not perform positively, your Account does not lose value.

S&P 500TM

Indexed Account

One-year point-to-point crediting period with Participation Rate

Allocate to this account with a Participation Rate, Cap Rate, or combination of the two.

The Participation Rate allows you to access a percentage of the index’s growth for the crediting period.

The Cap Rate has a set maximum amount of interest that can be credited at the end of the crediting period. • If the index value increases but the growth is less than the Cap

Rate, your credited interest is the same as the index’s percentage increase.

• If the index value increases and the growth is greater than the Cap Rate, your credited interest is the same as the Cap Rate.

With both the Participation Rate and Cap Rate, if the index does not perform positively, your Account does not lose value.

One-year point-to-point crediting period with Cap Rate

Two-year point-to-point crediting period with Participation Rate

Fixed Rate Account

One-year crediting period with a Fixed Interest Rate

The premium allocated to the Fixed Account will earn daily interest at a specified rate, which is guaranteed for the ensuing policy year. You will receive this rate no matter how the market performs.

Indices at a GlanceThe Accumulation Protector Plus offers great earnings potential in any type of market through its access to exclusive and reputable indices. These indices offer stable, low-risk ways to potentially accumulate value through the indices’ earned interest. The two indices linked to the Indexed accounts include the S&P 500TM Index and the Credit Suisse Momentum Index.

Access to this index is exclusive to buyers of the Accumulation Protector Plus Annuity. The CSM Index can offer:

The Credit Suisse Momentum Index “CSM Index” is a global multi-asset index that dynamically allocates across its assets using a momentum strategy and risk-adjusted weightings, attempting to capture the growth of assets with the strongest trends. The CSM Index was designed to adapt to ever-changing market conditions.

The risk-monitored CSM Index can create value for your annuity in all market types (rising, falling, or remaining the same) by taking long positions (buying) on upward trending assets and short positions (selling) on downward trending assets.

The S&P 500TM Index measures the stock performance of the 500 largest publicly traded companies in the U.S. These companies represent leading industries of the U.S. economy.

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Credit Suisse Momentum Index

S&P 500TM Index

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Each month, two different mechanisms are implemented:• The exposure to the components is adjusted based on a momentum strategy (“Momentum”)• Weights are allocated to each component based on their volatility (“Risk-Adjusted Weights”)

Each day, a further mechanism is implemented:• The Index is monitored to maintain volatility near 5%

MOMENTUM RISK ADJUSTED WEIGHTS RISK CONTROL

• Diversification: the CSM Index’s underlying assets are diversified across four regions and three asset classes in an effort to yield consistent returns over time.

• Risk-Adjusted Weightings: CSM Index components are weighted inversely to their risk in an attempt to build a risk-balanced asset allocation.

• Momentum: the trend following strategy of the CSM Index is intended to gain exposure to assets that exhibit the strongest trends while reducing exposure to assets with weaker trends.

• Risk Control: the CSM Index targets an annualized volatility of 5% or less to help stabilize returns.

Graphs

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Distribution of Annual Returns

Base Product With Rider

1.25% 1.50% 1.75% 2.00% 2.25% 2.50% 2.75% 3.00% 3.25% 3.50% 3.75%

Distribution of Annual Returns

Base Product With Rider

S&P 500

Credit Suisse Index

Enhance Your Earnings Potential

Accumulation Enhancement Rider

Pricing Guarantee

The Accumulation Enhancement Rider is a fantastic feature to add to your annuity if you want to take your accumulation power to the next level!

This rider increases the amount available for free withdrawal from 5% to 10% of your annuity’s Account Value.

Additionally, this rider was designed to help you earn more interest as it increases the Fixed, Participation, and Cap rates across your annuity’s crediting strategies. Increasing the Participation and Cap Rates offers potential to substantially benefit from the index’s upside, because your premium has access to a larger percentage of an index’s growth.

The Accumulation Protector Plus offers a 110% Return of Premium (ROP) Guarantee if the Accumulation Enhance-ment Rider is purchased and the policy persists to year 10.

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S&P 1-Year Participation

Premium Accum Value No Rider

Accum Value Rider S&P 500

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CS 1-Year Participation

Premium Accum Value No Rider

Accum Value Rider CS Index

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*include disclaimers for the above items.

Certain life events may arise where you need to access your money sooner than you were expecting. With the Accumulation Protector Plus, there are several ways to access your funds if the unexpected occurs.

Accumulation with Accessibility

Some annuities do not offer free early withdrawals, but in the second contract year, the Accumulation Protector Plus Annuity allows you to withdraw up to 5% of your Account Value or your Required Minimum Distribution, whichever greater.

If you are diagnosed with a terminal illness or need to move into a nursing home, you can make a full surrender or partial withdrawal with no Market Value Adjustment, Surrender Charge, or loss of any applicable non-vested premium bonus under certain conditions*.

Free Withdrawals Terminal Illness and Nursing Home Waiver

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Policy Year 1 2 3 4 5 6 7 8 9 10 11+

Vesting XX% XX% XX% XX% XX% XX% XX% XX% XX% XX% XX%

Additional Features

When you purchase the Accumulation Protector Plus Annuity you will receive a one-time premium bonus of 5%. The premium bonus is immediately credited to your account, increasing the value of your account and giving you the opportunity to earn additional interest. Your funds can be accessed subject to your vesting schedule.

If you surrender your policy or request withdrawals above a certain amount, there may be surrender charges. Please discuss the surrender charge schedule with your agent.

Protect your loved ones with the product’s Death Benefit feature. If you pass away before the end of the annuity’s policy term, the amount payable to your beneficiary is equal to the Vested Accumulation Value.

Premium Bonus

Surrender Charges

Death Benefit

Disclosures

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Sentinel Security Life Insurance Company PO Box 27248 | Salt Lake City | UT 84127-0248

1-800-247-1423 | www.sslco.com

The Sentinel story started 71 years ago in 1948. A group of passionate Utah funeral directors saw many families in need of an insurance product designed to help pay funeral costs. To help meet this need, they came together and created Sentinel Mutual Insurance Company. At last families were able to purchase a budget-friendly life insurance policy designed to help pay for the final expenses of a loved one.

As the years went by a few name changes took place (going from Sentinel Mutual Insurance Company to Sentinel Insurance Company in 1954 to Sentinel Security Life Insurance Company in 1957).

In more recent years Sentinel decided to expand its product offerings beyond final expense. In 2009, the company rolled out a Medicare Supplement product to help pay for the gaps not covered by Medicare. This was followed by the devel-opment of multiple innovative annuity products (Personal Choice Annuity in 2011, Summit Bonus Index in 2013, Per-sonal Choice Plus in 2017, and Guaranteed Income Annuity in 2018). With consistent and solid growth, Sentinel remains well-positioned to continue creating and rolling out new innovative products to better serve our client base.

We look back at our history of service with pride and excitement for the future. We invite you to become part of our story as we work to provide peace of mind to families throughout the country.

SENTINEL SECURITYLIFE INSURANCE COMPANY

SENTINEL SECURITY LIFE INSURANCE COMPANY IS A MEMBER OF THE A-CAP FAMILYSENTINEL SECURITY LIFE INSURANCE COMPANY IS A MEMBER OF THE A-CAP FAMILY