Personal Choice Annuity™ Death Pay-Out Provision Endorsement Sentinel is pleased to announce an enhancement to our Personal Choice™ Annuity. Starting immediately, all annuity contracts will include the attached endorsement that gives the contract an additional pay-out provision if the death benefit equals contract rider is not attached to the base contract. The endorsement allows the beneficiary to receive the full Contract Value over a 5-year period instead of only having the option to receive the Cash Surrender Value. These provisions are retroactive for all Sentinel Personal Choice Annuities issued by Sentinel Security Life and where such endorsements are state approved. We feel both clients and our agents will find this to be a positive change as it allows for more flexibility within the pay-out provisions of the contract. We encourage you to read the complete list of revisions and to familiarize yourself with the Death Pay-Out Provision Endorsement so you can accurately explain the change to your clients. Please note that clients aged 86 to 90 are always required to add the death benefit equals contract value rider to their annuity. Several states have specific death pay-out provision endorsements so please refer to the links below if you work out of Wyoming, Florida, or Nebraska. In addition, California and Oregon are still pending state approval on the endorsement. We will advise our agents when these two states are approved. We've also attached a revised Agent Field Guide and a death scenario worksheet for reference and to keep on-hand if questions come up with your clients. Thank you for all of your hard work and for continuing to make Sentinel's Personal Choice Annuity a highly successful product. Wyoming Death Pay-Out Provision Endorsement Florida Death Pay-Out Provision Endorsement Nebraska Death Pay-Out Provision Endorsement | 
