Current Rates
Safe Haven Rates
Effective 04/01/2025
| All Other | FL* | |
|---|---|---|
| 3 Year (Rate) | Year 1: 6.05% Year 2+: 5.05% Effective** Compound Level Rate: 5.38% | Year 1: 6.00% Year 2+: 5.00% Effective** Compound Level Rate: 5.33% |
| 5 Year (Rate) | Year 1: 6.35% Year 2+: 5.35% Effective** Compound Level Rate: 5.55% | Year 1: 6.30% Year 2+: 5.30% Effective** Compound Level Rate: 5.50% |
| 6 Year (Rate) | Year 1: 6.40% Year 2+: 5.40% Effective** Compound Level Rate: 5.57% | Year 1: 6.35% Year 2+: 5.35% Effective** Compound Level Rate: 5.52% |
| 7 Year (Rate) | Year 1: 6.40% Year 2+: 5.40% Effective** Compound Level Rate: 5.54% | Year 1: 6.35% Year 2+: 5.35% Effective** Compound Level Rate: 5.49% |
| 10 Year (Rate) | Year 1: 6.45% Year 2+: 5.45% Effective** Compound Level Rate: 5.55% | Year 1: 6.30% Year 2+: 5.30% Effective** Compound Level Rate: 5.40% |
| 20 Year (Rate) | Years 1-5: 4.80% Years 6-10: 5.30% Years 11-15: 5.80% Years 16-20: 6.30% Effective** Compound Level Rate: 5.55% | Years 1-5: 4.65% Years 6-10: 5.15% Years 11-15: 5.65% Years 16-20: 6.15% Effective** Compound Level Rate: 5.40% |
| 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 as of April 1, 2025 and 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 annuity Contract for all terms and conditions.
*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 04/01/2025
| All Other | FL | |
|---|---|---|
| 3 Year (Rate) | Year 1: 6.35% Year 2+: 5.35% Effective** Compound Level Rate: 5.39% | Year 1: 6.25% Year 2+: 5.25% Effective** Compound Level Rate: 5.30% |
| 5 Year (Rate) | Year 1: 7.00% Year 2+: 6.00% Effective** Compound Level Rate: 5.55% | Year 1: 6.95% Year 2+: 5.95% Effective** Compound Level Rate: 5.51% |
| 6 Year (Rate) | Year 1: 7.20% Year 2+: 6.20% Effective** Compound Level Rate: 5.54% | Year 1: 7.15% Year 2+: 6.15% Effective** Compound Level Rate: 5.50% |
| 7 Year (Rate) | Year 1: 7.40% Year 2+: 6.40% Effective** Compound Level Rate: 5.53% | Year 1: 7.35% Year 2+: 6.35% Effective** Compound Level Rate: 5.50% |
| 10 Year (Rate) | Year 1: 8.05% Year 2+: 7.05% Effective** Compound Level Rate: 5.54% | Year 1: 7.80% Year 2+: 6.80% Effective**Compound Level Rate: 5.39% |
| 20 Year (Rate) | Years 1-5: 7.70% Years 6-10: 8.70% Years 11-15: 10.70% Years 16-20: 11.70% Effective** Compound Level Rate: 5.54% | Years 1-5: 7.30% Years 6-10: 8.30% Years 11-15: 10.30% Years 16-20: 11.30% Effective** Compound Level Rate: 5.39% |
| 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
All Owners age 86-90 are required to purchase the Death Benefit Rider in all states except Florida
* All Florida contracts are required to issue with the Death Benefit Feature, which is priced into the rates. Nursing Home Rider/Terminal Illness Rider Not Available in Florida and Pennsylvania.
Safe Anchor Rates
Effective 1/1/2024
| 1st Year Rate | All Other: 3.00% | FL: 3.00% |
| 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 1/1/2024
| 10 Year Contract | ||||||||
|---|---|---|---|---|---|---|---|---|
| Premium Bonus |
| |||||||
| 1st Year Rate | 3.00% (with subsequent purchase premium) | |||||||
| Current Rate Guarantee | 1 Yr | |||||||
| Index/Benchmark | SOFR | |||||||
| Participation Rate | 55% | |||||||
| Optional Riders and Cost |
| |||||||
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
The Secured Overnight Financing Rate (SOFR) data is calculated by using data obtained under license through application programming interface (API) issued by CME Group.
CME GROUP MARKET DATA IS USED UNDER LICENSE AS A SOURCE OF INFORMATION FOR CERTAIN ATLANTIC COAST LIFE INSURANCE COMPANY PRODUCTS. CME GROUP HAS NO OTHER CONNECTION TO ATLANTIC COAST LIFE INSURANCE PRODUCTS AND SERVICES AND DOES NOT SPONSOR, ENDORSE, RECOMMEND OR PROMOTE ANY ATLANTIC COAST LIFE INSURANCE COMPANY PRODUCTS OR SERVICES. CME GROUP HAS NO OBLIGATION OR LIABILITY IN CONNECTION WITH ATLANTIC COAST LIFE INSURANCE PRODUCTS AND SERVICES. CME GROUP DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF ANY MARKET DATA LICENSED TO ATLANTIC COAST LIFE INSURANCE AND SHALL NOT HAVE ANY LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN CME GROUP AND ATLANTIC COAST LIFE INSURANCE COMPANY.
Retirement Plus Multiplier® Annuity Rates
Effective 10/30/2024
| Fixed Rate | |||
|---|---|---|---|
| 1st Year Rate | 3.00% | ||
| Current Rate Guarantee | 1 Yr | ||
| Aging of America Index | |||
| Index Crediting Strategy | No Rider | Growth Rider | Income Multiplier |
| 1-year with point-to-point participation rate | 150% | 200% | 150% |
| 2-year with point-to-point participation rate | 200% | 275% | 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 | 28% | 38% | 28% |
| 1-year with point-to-point cap rate | 5% | 5.95% | 5% |
| Two-year with point-to-point participation rate | 38% | 53% | 38% |
| 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 Aging of America Index is a volatility-controlled index that may include a fee in the computation of the index value.
Solactive Disclosure: The Aging of America Index (the “Index”) is a Solactive AG (“Solactive”) owned index. The Aging of America Index, and any trademarks, service marks and logos related thereto are service marks of Solactive. Solactive has no relationship to Atlantic Coast Life Insurance Company, other than the licensing of the Aging of America Index and its service marks for use in connection with this fixed indexed annuity and is not a party to any transaction contemplated hereby. This fixed indexed annuity is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Solactive or any of its affiliates. Solactive 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 Aging of America Index to perform as intended, the merit (if any) of obtaining exposure to the Aging of America Index or the suitability of purchasing or holding interests in this fixed indexed annuity. Solactive 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 Aging of America Index. Solactive has not created, published, or approved this document and accepts no responsibility or liability for its contents or use. Obligations to make payments under this fixed indexed annuity are solely the obligation of Atlantic Coast Life Insurance Company and are not the responsibility of Solactive.
SOLACTIVE DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE AGING OF AMERICA 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. SOLACTIVE 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 4/11/2023
| Premium Bonus | Base Contract: 7.00% With Income Rider: 7.00% |
| Interest Rate Guarantees | |
| 1st Year Rate | 2.75% |
| Current Rate Guarantee | 1 Yr |
| Indexing | |
| Index/Benchmark | S&P 500® |
| Participation Rates | 100% |
| Caps | Annual Point-to-Point Cap: 4.00% Monthly Averaging Cap: 4.00% Daily Averaging Cap: 4.00% Monthly Sum Cap: 1.70% |
| 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 10/30/2024
| Premium Bonus | |||
| Base Contract | 5% | ||
| With Rate Enhancement Rider | 5% | ||
| Interest Rate Guarantees | |||
| No Rider | Rate Enhancement Rider | ||
| 1st Year Fixed Rate | 3.00% | 3.95% | |
| Current Rate Guarantee | 1 Year | 1 Year | |
| Other Guarantees | ****The Participation Rates for the 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 Momentum Index. *****The Participation Rates for the Diversified 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 Diversified Macro 5 Index. | ||
| Indexing | |||
| Index/Benchmark | S&P 500®, Momentum Index, and Diversified Macro 5 Index | ||
| No Rider | Rate Enhancement Rider | ||
| Trigger Rate | Momentum Index 1 Year with Trigger Rate | 9% | 11% |
| Participation Rates | Momentum Index 1 Year Point-to-Point with Participation Rate**** | 210% | 260% |
| Momentum Index 2 Year Point-to-Point with Participation Rate**** | 320% | 385% | |
| Momentum Index 3 Year Point-to-Point with Participation Rate | 465% | 550% | |
| Diversified Macro 5 Index 1 Year Point-to-Point with Participation Rate***** | 210% | 260% | |
| Diversified Macro 5 Index 2 Year Point-to-Point with Participation Rate***** | 320% | 385% | |
| Diversified Macro 5 Index 3 Year Point-to-Point with Participation Rate | 465% | 550% | |
| S&P 500® 1 Year Point-to-Point with Participation Rate | 26% | 38% | |
| S&P 500® 2 Year Point-to-Point with Participation Rate | 43% | 58% | |
| Caps | S&P 500® 1 Year Point-to-Point with Cap Rate | 5% | 5.95% |
| 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 Momentum Index and Diversified Macro 5 Index are volatility-controlled indexes that may include a fee in the computation of the index value.
Neither MerQube, Inc. nor any of its affiliates (collectively, “MerQube”) is the issuer or producer of Accumulation Protector PlusSM Annuity and MerQube has no duties, responsibilities, or obligations to investors in Accumulation Protector PlusSM Annuity. The index underlying the Accumulation Protector PlusSM Annuity is a product of MerQube and has been licensed for use by Atlantic Coast Life Insurance Company. Such index is calculated using, among other things, market data or other information (“Input Data”) from one or more sources (each a “Data Provider”). MerQube® is a registered trademark of MerQube, Inc. These trademarks have been licensed for certain purposes by Atlantic Coast Life Insurance Company in its capacity as the issuer of the Accumulation Protector PlusSM Annuity. Accumulation Protector PlusSM Annuity is not sponsored, endorsed, sold or promoted by MerQube, any Data Provider, or any other third party, 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 Input Data, Diversified Macro 5 Index or any associated data.
The Momentum Index, (the “Index”), and any trademarks, service marks and logos related thereto are service marks of Solactive AG (“Solactive”). Solactive has no relationship to Atlantic Coast Life Insurance Company, other than the licensing of the Momentum Index and its service marks for use in connection with the Accumulation Protector PlusSM Annuity and is not a party to any transaction contemplated hereby. The Accumulation Protector PlusSM Annuity is not sponsored, endorsed, or promoted by Solactive in any way and Solactive makes no express or implied representation, guarantee or assurance regarding the quality, accuracy and/or completeness of the Index, and the results obtained or to be obtained by any person or entity from the use of the Index. Solactive reserves the right to change the methods of calculation or publication with respect to the Index. Solactive shall not be liable for any damages suffered or incurred because of the use (or inability to use) of the Index. Solactive shall not be liable for the results obtained by using, investing in, or trading the Accumulation Protector PlusSM Annuity. Solactive 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 Solactive.
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. Accumulation Protector PlusSM Annuity 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®.
ATLANTIC COAST LIFE INSURANCE COMPANY IS A MEMBER OF THE A-CAP FAMILY