AGENT RESOURCES

Safe Haven

Effective 1/11/2023

  All Other FL*
3 Year (Rate) Year 1: 6.20%
Year 2+: 5.20%
Effective** Compound Level Rate: 5.53%
Year 1: 6.05%
Year 2+: 5.05%
Effective** Compound Level Rate: 5.38%
5 Year (Rate) Year 1: 6.45%
Year 2+: 5.45%
Effective** Compound Level Rate: 5.65%
Year 1: 6.35%
Year 2+: 5.35%
Effective** Compound Level Rate: 5.55%
6 Year (Rate) Year 1: 6.50%
Year 2+: 5.50%
Effective** Compound Level Rate: 5.67%
Year 1: 6.40%
Year 2+: 5.40%
Effective** Compound Level Rate: 5.57%
7 Year (Rate) Year 1: 6.50%
Year 2+: 5.50%
Effective** Compound Level Rate: 5.64%
Year 1: 6.40%
Year 2+: 5.40%
Effective** Compound Level Rate: 5.54%
10 Year (Rate) Year 1: 6.25%
Year 2+: 5.25%
Effective** Compound Level Rate: 5.35%
Year 1: 6.15%
Year 2+: 5.15%
Effective** Compound Level Rate: 5.25%
20 Year (Rate) Years 1-5: 4.10%
Years 6-10: 4.60%
Years 11-15: 5.10%
Years 16-20: 5.60%
Effective** Compound Level Rate: 4.85%
Years 1-5: 4.00%
Years 6-10: 4.50%
Years 11-15: 5.00%
Years 16-20: 5.50%
Effective** Compound Level Rate: 4.75%
Optional Riders Preferred 10% Free Withdrawal: 0.15% interest reduction Death Benefit Feature: 0.25% interest reduction Accumulated Interest Withdrawal: 0.05% interest reduction

Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Products, features, and riders may not be available in all jurisdictions. Refer to the policy for all terms and conditions. All Guarantees are based on the claims-paying ability of Atlantic Coast Life Insurance Company.

*Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death Benefit Feature.

Owner's issue age 86-90 for the three, five, six, seven and ten year guarentee period and owner's issue age 70-75 for the twenty year guarentee period are required to purchase Death Benefit Feature.

Special introductory cap in the state of Florida.

**Rounded to second decimal place.

Safe Harbor Rates

Effective 1/11/2023

  All Other FL
3 Year (Rate) Year 1: 6.50%
Year 2+: 5.50%
Effective** Compound Level Rate: 5.52%
Year 1: 6.35%
Year 2+: 5.35%
Effective** Compound Level Rate: 5.39%
5 Year (Rate) Year 1: 7.10%
Year 2+: 6.10%
Effective** Compound Level Rate: 5.63%
Year 1: 7.00%
Year 2+: 6.00%
Effective** Compound Level Rate: 5.55%
6 Year (Rate) Year 1: 7.35%
Year 2+: 6.35%
Effective** Compound Level Rate: 5.65%
Year 1: 7.20%
Year 2+: 6.20%
Effective** Compound Level Rate: 5.54%
7 Year (Rate) Year 1: 7.55%
Year 2+: 6.55%
Effective** Compound Level Rate: 5.64%
Year 1: 7.40%
Year 2+: 6.40%
Effective** Compound Level Rate: 5.53%
10 Year (Rate) Year 1: 7.75%
Year 2+: 6.75%
Effective** Compound Level Rate: 5.36%
Year 1: 7.60%
Year 2+: 6.60%
Effective**Compound Level Rate: 5.26%
20 Year (Rate) Years 1-5: 5.90%
Years 6-10: 6.90%
Years 11-15: 8.90%
Years 16-20: 9.90%
Effective** Compound Level Rate: 4.85%
Years 1-5: 5.65%
Years 6-10: 6.65%
Years 11-15: 8.65%
Years 16-20: 9.65%
Effective** Compound Level Rate: 4.75%
Optional Riders Death Benefit Feature: 0.25% interest reduction

Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Products, features, and riders may not be available in all jurisdictions. Refer to the policy for all terms and conditions. All Guarantees are based on the claims-paying ability of Atlantic Coast Life Insurance Company.

*Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death Benefit Feature. Owner's issue age 86-90 for the three, five, six, seven and ten year guarentee period and owner's issue age 70-75 for the twenty year guarentee period are required to purchase Death Benefit Feature. Special introductory cap in the state of Florida.

 **Rounded to the second decimal place

 

Safe Anchor Rates

Effective 2/22/2021

1st Year Rate All Other: 2.70% FL: 2.60%
Current Rate Guarantee 5 Yr
Index/Benchmark S&P 500®
Participation Rate 100%
Caps Annual Point-to-Point: 4.10%
Monthly Averaging: 4.20%
Monthly Sum: 1.75%
Optional Riders and Cost Required Minimum Distribution: 0.16% fee
Preferred 10% Free Withdrawal: 0.15% fee
Death Benefit Feature: 0.25% fee*
Accumulated Interest Withdrawal: 0.05% fee

Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Products, features, and riders may not be available in all jurisdictions. Refer to the policy for all terms and conditions. All Guarantees are based on the claims-paying ability of Atlantic Coast Life Insurance Company.

*Death Benefit Feature is required in Florida and is priced into Florida rates. 

Guaranteed Income Annuity Rates

Effective 6/08/2020

  10 Year Contract
Premium Bonus
GLWB Rider: 8%***
Legacy Rider: 10% for issue ages under 71
5% for issue ages 71-80
3% for issue ages 81-85
Accum Rider: 10% for issue ages under 71
8% for issue ages 71-80
6% for issue ages 81-85
1st Year Rate 1.00% (with subsequent purchase premium)
Current Rate Guarantee 2 Yrs
Index/Benchmark LIBOR
Participation Rate 65%
Optional Riders and Cost
GLWB Rider: 1.25% fee years 1-5
1.60% fee years 6-10
Legacy Benefit Rider: 1.25% fee years 1-5
1.60% fee years 6-10
Accumulation Rider: No fee

Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Products, features, and riders may not be available in all jurisdictions. Refer to the policy for all terms and conditions. All Guarantees are based on the claims-paying ability of Atlantic Coast Life Insurance Company.

***Credits to the Income Account only

Retirement Plus Multiplier® Annuity Rates

Effective 11/21/2022

Fixed Rate
1st Year Rate 4.50%
Current Rate Guarantee 1 Yr
Goldman Sachs Aging of America Dynamic Balance Index
Index Crediting Strategy No Rider Growth Rider Income Multiplier
1-year with point-to-point participation rate 140% 190% 140%
2-year with point-to-point participation rate 200% 250% 200%
3-year with point-to-point participation rate 250% 350% 250%
S&P 500®
Index Crediting Strategy No Rider Growth Rider Income Multiplier
1-year with point-to-point participation rate 42% 55% 42%
1-year with point-to-point cap rate 8.75% 12% 8.75%
Two-year with point-to-point participation rate 57% 75% 57%
Rider Fees
Surrender Periods 5 Year 7 Year 10 Year
Growth Rider 1.25% 1.25% 1.25%
Income Multiplier 0.95% 0.95% 0.95%

Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Products, features, and riders may not be available in all jurisdictions. Refer to the policy for all terms and conditions. All Guarantees are based on the claims-paying ability of Atlantic Coast Life Insurance Company.

The Goldman Sachs Aging of America Dynamic Balance Index (the “Index”) is a Goldman Sachs owned index. 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 indexed annuities or the investment strategy underlying this fixed indexed annuity particularly, the ability of the Goldman Sachs Aging of America Dynamic Balance Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs 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 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 “S&P 500®” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Atlantic Coast Life Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Atlantic Coast Life Insurance Company. Retirement Plus Multiplier® is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500®.

 

Income Navigator Rates

Effective 5/17/2021

Premium Bonus Base Contract: 7.00%
With Income Rider: 5.00%
Interest Rate Guarantees
1st Year Rate 1.50%
Current Rate Guarantee 1 Yr
Indexing
Index/Benchmark S&P 500®
Participation Rates 100%
Caps Annual Point-to-Point Cap: 2.50%
Monthly Averaging Cap: 2.50%
Daily Averaging Cap: 2.50%
Monthly Sum Cap: 1.30%
Riders
Optional Riders and Cost Income Rider: 1.50% fee

Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Products, features, and riders may not be available in all jurisdictions. Refer to the policy for all terms and conditions. All Guarantees are based on the claims-paying ability of Atlantic Coast Life Insurance Company.

Income Navigator has a 10-year surrender schedule. Premium bonuses are subject to a vesting schedule. Inclusion of the income rider subject to age restriction. 

Accumulation Protector PlusSM Annuity Rates

Effective 12/05/2022

Premium Bonus
Base Contract 5%
With Rate Enhancement Rider 5%
Interest Rate Guarantees
    No Rider Rate Enhancement Rider
1st Year Fixed Rate   4.75% 5.70%
Current Rate Guarantee   1 Year 1 Year
Other Guarantees

****The Participation Rates for the Credit Suisse Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast Life Insurance Company continues to have access to the Credit Suisse Momentum Index.

*****The Participation Rates for the Credit Suisse ESG Macro 5 Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast Life Insurance Company continues to have access to the Credit Suisse ESG Macro 5 Index.

Indexing
Index/Benchmark S&P 500®, Credit Suisse Momentum Index, and Credit Suisse ESG Macro 5 Index
    No Rider Rate Enhancement Rider
Trigger Rate Credit Suisse Momentum Index 1 Year with Trigger Rate 9% 11%
Participation Rates Credit Suisse Momentum Index 1 Year Point-to-Point with Participation Rate**** 210% 260%
Credit Suisse Momentum Index 2 Year Point-to-Point with Participation Rate**** 320% 385%
Credit Suisse Momentum Index 3 Year Point-to-Point with Participation Rate 465% 550%
Credit Suisse ESG Macro 5 Index 1 Year Point-to-Point with Participation Rate***** 210% 260%
Credit Suisse ESG Macro 5 Index 2 Year Point-to-Point with Participation Rate***** 320% 385%
Credit Suisse ESG Macro 5 Index 3 Year Point-to-Point with Participation Rate 465% 550%
S&P 500® 1 Year Point-to-Point with Participation Rate 43% 55%
S&P 500® 2 Year Point-to-Point with Participation Rate 60% 75%
Caps S&P 500® 1 Year Point-to-Point with Cap Rate 9% 11.50%
Riders
Optional Riders and Costs Rate Enhancement Rider: 0.95% fee

Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Products, features, and riders may not be available in all jurisdictions. Refer to the policy for all terms and conditions. All Guarantees are based on the claims-paying ability of Atlantic Coast Life Insurance Company.

Disclaimers

The Credit Suisse Momentum Index and the Credit Suisse ESG Macro 5 Index (the “Indices”) and “Credit Suisse”, and any trademarks, service marks and logos related thereto are service marks of Credit Suisse Group AG, Credit Suisse International, or one of their affiliates (collectively, “Credit Suisse”). Credit Suisse has no relationship to Atlantic Coast Life Insurance Company, other than the licensing of the Credit Suisse Momentum Index and the Credit Suisse ESG Macro 5 Index and its service marks for use in connection with the Accumulation Protector PlusSM Annuity and certain hedging arrangements and is not a party to any transaction contemplated hereby. Credit Suisse shall not be liable for the results obtained by using, investing in, or trading the Accumulation Protector PlusSM Annuity. Credit Suisse has not created, published or approved this document and accepts no responsibility or liability for its contents or use. Obligations to make payments under the Accumulation Protector PlusSM Annuity are solely the obligation of Atlantic Coast Life Insurance Company and are not the responsibility of Credit Suisse.

There is currently no universal definition or exhaustive list defining the issues or factors that are covered by the concept of “ESG” (Environmental, Social, Governance). Credit Suisse’s view of ESG is based solely on Credit Suisse’s current opinions, assumptions, and interpretations, which may evolve over time and are subject to change.

MSCI Indices are the exclusive property of MSCI Inc. (“MSCI”). MSCI and the MSCI index names are service mark(s) of MSCI or its affiliates and have been licensed for use for certain purposes by Credit Suisse. The financial product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to such financial product. The annuity contract or other governing disclosure document contains a more detailed description of the limited relationship MSCI has with Credit Suisse and any related financial product. No purchaser, seller or holder of this financial product, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote this financial product without first contacting MSCI to determine whether MSCI’s permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI.

ATLANTIC COAST LIFE INSURANCE COMPANY IS A MEMBER OF THE A-CAP FAMILY

Copyright © 2021 Atlantic Coast Life Inc. All rights Reserved.
Scroll Up