ATLANTIC COAST LIFE INSURANCE COMPANY
 
The Retirement Plus MultiplierSM Annuity

The Retirement Plus MultiplierSM Annuity is a fixed index annuity designed to help you prepare for your financial future and provides greater earnings potential than fixed rate options. Your annuity’s growth is tax-deferred, which means you do not pay taxes on the interest earned until you make a withdrawal.

You may elect to allocate your funds among several index crediting strategies and a fixed rate option. Index crediting strategies will grow along with the market, and credits are applied to your contract’s accumulation value subject to either a percentage cap or a participation rate.

Even when market performance drops, your money is protected. The guaranteed interest rate is 0%, so if the market stays flat or goes down, your credited gains are protected from loss.

  • Participate in potential market index growth
  • Protect accumulation value from market loss
  • Provide retirement income for your lifetime
  • Choose from a variety of options to best fit your financial needs
 
Riders
GROWTH BENEFIT
Accumulation Buy Up Rider

If accumulation is your main priority, this rider increases the growth potential of your annuity’s index accounts. When you purchase this rider, the participation and cap rates are increased so your annuity benefits from more of the market’s positive performance. You will still have the benefit of a 0% guaranteed minimum crediting rate.
  • Potential for better growth with higher index account caps and participation rates
  • 0% floor protects
INCOME MULTIPLIER
Guaranteed Lifetime Withdrawal Rider (GLWB)

Maximize the potential income from your annuity with this rider. This optional benefit will enhance your potential income, which you’ll never outlive, even after all your accumulation value has been withdrawn.
  • Generate a stream of income for life
  • Income enhancing bonus of up to 100% of your initial investment
S&P 500™ Index
Comprised of 500 major companies representing leading industries of the U.S. economy.
  • One-year crediting period with participation rate
  • One-year crediting period with cap
Goldman Sachs Motif Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC*
Comprised of companies concentrated in the healthcare and real estate sectors that may benefit from serving a growing aging population.
  • One-year crediting period with participation rate
  • Three-year crediting period with participation rate
Find out more about Goldman Sachs Motif Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC

Brochures PDF Files
Click a product to download: Retirment Plus Multiplier | Goldman Sachs Motif Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC
 
 
Safe Harbor & Safe Haven Bonus Guarantee Annuities
 
Safe Harbor & Safe Haven Bonus Guarantee annuities give you control over the duration of the annuity, which can be five, six, seven, ten or twenty years.
 
Our annuities also offer optional features you are able to select to customize your plan whereas most other annuities are loaded with features you don't want or need, giving you a lower interest rate. With Safe Harbor & Safe Haven Bonus Guarantee, you pay only for the features you want, making your interest rate higher and your payout greater.
 
Guaranteed Interest Rates
Safe Harbor & Safe Haven Bonus Guarantee annuities are single premium-deferred annuities that earn a fixed rate of interest, allowing your money to grow on a tax-deferred basis. Our annuities offer multiple guarantee periods to align with your specific needs, and guarantees the interest rate for that entire guaranteed period.
 
Protection of Your Principal
The entire amount you invest goes to work for you immediately, earning a guaranteed rate for the period you select, regardless of what happens to the stock market or interest rates. As long as you hold your contract for the length of the guarantee period your principal and the interest you earn are guaranteed by the issuer.
 
Income Options
At the end of your initial guarantee period, you can withdraw your funds without incurring surrender charges or market value adjustment, renew your contract into a new guarantee period or even convert your annuity into a stream of retirement income payments guaranteed for up to 20 years.
 
If you are seeking a simple, guaranteed way to build your retirement assets without the principal risk typically associated with stocks, bonds or mutual funds, we offer Safe Harbor and Safe Haven Bonus Guarantee Annuities. Please download the brochure for detailed information.
 
Brochures PDF Files
Click a product to download: Safe Harbor | Safe Haven
 
 
Safe Anchor Market Guarantee

As the length of retirement increases, so does the need for a retirement solution that gives you power, options and benefits.

Safe Anchor Market Guarantee is a 5 year fixed rate with indexing option plan. Our Safe Anchor Market Guarantee plan gives you the power to decide how your savings grow through our indexing strategies, offers options such as riders to help you customize your plan and adds the benefits of multiple settlement options to choose your return.

  • Fixed Interest Rate: Initial rate is guaranteed for 5 years and is compounded daily
  • Monthly Averaging: Interest Rate based upon average of the 12 monthly closing values in S&P 500® over the policy year, having the potential to yield higher earnings during periods of significant market increases
  • Annual Point to Point: Interest rate is based upon the change in market value over the policy year, letting you get as close as possible to investing direct in the market without exposure to losses
  • Monthly Sum: Interest Rate based upon monthly changes in the market. Offers the opportunity to earn the highest interest and reap the benefits of the market with no risk

Our interest rates for Annual Point to Point, Monthly Averaging, and Monthly Sum are based on the S&P 500®.

With flexibility in settlement options and four optional riders, the Safe Anchor Market Guarantee Annuity offers you a custom solution to fuel your retirement.

Brochures PDF Files
Click a product to download: | Safe Anchor




NEW Guaranteed Income Annuity

The Guaranteed Income Annuity can help protect your future from risk while also growing your retirement money. This innovative annuity is designed to guarantee savings that last the entirety of a client’s life, provide a bright future and financial legacy to beneficiaries, or a combination of the two for those not completely sure of their retirement goals. This income driven annuity offers three riders, each addressing a different goal, making it versatile to cater to any retirement plan.

  • Retirement Protection with Minimal Risk
  • Guaranteed Income for Life
  • Additional First Year Premiums
  • Premium Bonus of Up to 10%
  • 10 or 14-Year Option
  • Flexible Issue Ages
LIBOR:

The Interest rates for the Guaranteed Income Annuity is based on the London Interbank Offered Rate (LIBOR). The LIBOR is a benchmark rate used throughout the world. LIBOR is used by many of the world’s leading banks to know how much they should charge one another for loans. Thanks to LIBOR, Atlantic Coast Life is able to offer our clients potential to earn rewarding return in a rising rate environment. Typically as general interest rates increase, so does LIBOR, and vice versa. Find out more about LIBOR


Brochures PDF Files
Click a product to download: | Guaranteed Income Annuity




This fixed indexed annuity is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. LLC or any of its affiliates with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively, “Goldman Sachs”). Goldman Sachs makes no representation or warranty, express or implied, regarding the suitability of annuities for your financial situation generally, or fixed index annuities, or the investment strategy underlying this fixed indexed annuity particularly, the ability of the Goldman Sachs Motif Aging of America Dynamic Balance Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Motif Aging of America Dynamic Balance Index or the suitability of purchasing or holding interests in this fixed indexed annuity. Goldman Sachs does not have any obligation to take the needs of the holders of this fixed indexed annuity into consideration in determining, composing or calculating the Goldman Sachs Motif Aging of America Dynamic Balance Index. GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE GOLDMAN SACHS AGING OF AMERICA DYNAMIC BALANCE INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS FIXED INDEXED ANNUITY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

The Goldman Sachs Motif Aging of America Dynamic Balance Index (the “Index”) is a Goldman Sachs owned index. “Motif” is a registered trademark of Motif Investing, Inc. (“Motif Investing”) and has been licensed for use by Motif Capital Management Inc. (“Motif Capital”) and sublicensed for certain purposes by Goldman Sachs. The Index and the FIA is not sponsored, endorsed, sold or promoted by Motif Investing, Motif Capital or their respective affiliates or make any representation regarding the advisability of investing in the Index or the FIA. Motif Capital’s only relationship to Goldman Sachs with respect to the Index is the licensing of the Motif trademark.

MOTIF CAPITAL DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. MOTIF CAPITAL SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. MOTIF CAPITAL MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY INVESTOR’S IN THE INDEX OR FIA, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL MOTIF CAPITAL BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE.

Not licensed in every state.  Product availability may vary by state.
(c) 2012 Atlantic Coast Life Insurance Co.  All rights reserved.
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