Privacy Policy FACTS WHAT DOES ATLANTIC COAST LIFE INSURANCE COMPANY DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information.

Privacy Policy Accumulation Protector PlusSM Annuity Rates Effective 12/05/2022 Premium Bonus Base Contract 5% With Rate Enhancement Rider 5% Interest Rate Guarantees     No

SOFR What is SOFR? The Secured Overnight Financing Rate, or SOFR rate, is published daily by the Federal Reserve Bank of New York and is

Product Availability_14-2-23 Product Availability (All Products) Click on a state to see product availability. Licensed Products Available Products Pending Approval

What is CS ESG Macro 5 Index? What is Diversified Macro 5 Index? The Diversified Macro 5 Index Index, a global multiasset index, applies an

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Product FAQs Accumulation Protector PlusSM Annuity What is the Accumulation Protector PlusSM (APP) Annuity? What makes the Accumulation Protector PlusSM(APP) Annuity unique? What is the

Legal & Privacy Legal & Privacy Conditions of Use Please read these conditions carefully before using this website. If you do not agree with each 

Contracted Producers Marketing Support ACL is connected to three uniquely different Preneed Marketing Partners that can provide specialized support and program management. Contact Tom Holland

INTERESTED FIRMS Our Story Founded in 1925, by Y. W. Scarborough and J. W. Orvin, Atlantic Coast Life Insurance Company has served funeral homes and

CONSIDER BUYING PRENEED We Can Help!! This unique product is usually purchased through a funeral professional.  You will need to contact a local funeral home

The Accumulation Protector PlusSM Annuity Protection Plus Growth Potential in Any Market FIND OUT MORE New! The Accumulation Protector PlusSM Annuity Protection Plus Growth Potential

CONTACT US Contact Us First Name Last Name Your Phone Email What are your interests? Select OnePreneed Product LineBecoming a Producer for ACLEmployment OpportunitiesComments/Questions Submit

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Preneed Product Availability Map Product Availability (Preneed Only) Click on a state to see product availability. Licensed Products Available Products Pending Approval

Product Availability Product Availability (All Products) Click on a state to see product availability. Licensed Products Available Products Pending Approval

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PRENEED Being Prepared – Honoring Your Loved Ones Atlantic Coast Life Insurance Company has been serving families like yours since 1925. Not only do we

SAFE HAVEN Download Our Brochure Safe Harbor & Safe Haven Bonus Guarantee annuities give you control over the duration of the annuity, which can be

SAFE HARBOR Download Our Brochure Safe Harbor & Safe Haven Bonus Guarantee annuities give you control over the duration of the annuity, which can be

THE ACCUMULATION PROTECTOR PLUSSMANNUITY Download Our Brochure It Is Time to Protect What You Have Worked So Hard to Build Whether it is for retirement,

INCOME NAVIGATOR Download Our Brochure Built for Guaranteed Income In today’s challenging financial environment, many people are looking for reliable solutions for retirement income. The Income

THE RETIREMENT PLUS MULTIPLIER® ANNUITY Download Our Brochure The Retirement Plus Multiplier® Annuity was created as a resource for your financial planning. Opportunity for growth

GUARANTEED INCOME ANNUITY Download Our Brochure The Guaranteed Income Annuity was designed to help retirees plan for a more secure financial future for themselves and

SAFE ANCHOR Download Our Brochure As the length of retirement increases, so does the need for a retirement solution that gives you power, options, and

How much life insurance do I need? How much life insurance do I need? That is usually best determined by meeting with an insurance professional.

What kind of life insurance do I need? What kind of life insurance do I need? That depends on how much you need and how

Who needs life insurance? Who needs life insurance? Practically everyone! If your death would create financial consequences, and it would, you need life insurance.  Life insurance

What role does ACL perform in the preneed process? What role does ACL perform in the preneed process? Atlantic Coast Life provides preneed life and

Who would I contact to preplan my funeral? Who would I contact to preplan my funeral? You would contact the funeral home you are most

Can I pay for my funeral today? Can I pay for my funeral today? Yes you can. And not only do you have the opportunity

Why do I need to preplan? Why do I need to preplan? Preplanning provides peace of mind because you know for certain that your desires

What is Preneed Planning? What is Preneed Planning? Preneed planning is the process of determining your desires concerning your funeral and the arrangements. It involves

What tax forms do you send out? What tax forms do you send out? 1099-I and 1099-R tax forms are sent out by January 31st

What is the roll up rate? What is the roll up rate? Your roll up rate is contract specific. Please call us for your information

What is the amount of income I can get? What is the amount of income I can get? You will need to call us to

How does the income rider work? How does the income rider work? Designed to give income for your lifetime once it is activated. Income payments

What is the death benefit? What is the death benefit? The death benefit is the same as the vested value as of the date of

How is my bonus vested? How is my bonus vested? Your entire bonus is not vested until the end of the 10 year contract period.

Do I have any penalty free funds available for withdrawal? Do I have any penalty free funds available for withdrawal? If you have any funds

What accounts should I allocate into? What accounts should I allocate into? We are not able to advise you. You will need to speak with

When can I reallocate funds? When can I reallocate funds? Forms are sent out 90 days before your anniversary. Fill out the form and return

How do I know if the Accumulation Protector PlusSM Annuity is the right product for my needs? How do I know if the Accumulation Protector

How does the bonus become fully vested? How does the bonus become fully vested? When you purchase the Accumulation Protector PlusSM Annuity you will receive a

What are my options after the 10-year surrender period ends? What are my options after the 10-year surrender period ends? The highly flexible APP allows

When can I reallocate my account value? When can I reallocate my account value? The APP Annuity offers a diversified set of fixed and indexed

What if I need money due to severe illness? What if I need money due to severe illness? If you are diagnosed with a terminal

What Settlement Options are available with the Accumulation Protector PlusSM Annuity? What Settlement Options are available with the Accumulation Protector PlusSM Annuity? Lifetime Income Only

What death benefit would be paid to my beneficiary? What death benefit would be paid to my beneficiary? The Death Benefit Feature protects your beneficiary.

When is the earliest I can start receiving annuity payments? When is the earliest I can start receiving annuity payments? In all states other than

What are the benefits of the Rate Enhancement Rider? What are the benefits of the Rate Enhancement Rider? The Rate Enhancement Rider is a fantastic

Are penalty-free withdrawals available? Are penalty-free withdrawals available? In the second contract year, the Accumulation Protector PlusSM Annuity allows you to withdraw up to 5% of

How can my principal grow through the Accumulation Protector PlusSM (APP) Annuity? How can my principal grow through the Accumulation Protector PlusSM (APP) Annuity? You

How does the Accumulation Protector PlusSM (APP) Annuity protect my principal? How does the Accumulation Protector PlusSM (APP) Annuity protect my principal? Whether the market

What is the CS Momentum Index? What is the Momentum Index? The Momentum Index is a global multi-asset index that dynamically allocates across its components

What makes the Accumulation Protector PlusSM (APP) Annuity unique? What makes the Accumulation Protector PlusSM (APP) Annuity unique? The Accumulation Protector PlusSM (“APP”) Annuity sets

What is the Accumulation Protector PlusSM (APP) Annuity? What is the Accumulation Protector PlusSM (APP) Annuity? The Accumulation Protector PlusSM Annuity (APP) is a fixed indexed

Product FAQs Search Accumulation Protector PlusSM &nbsp&nbspWhat is the Accumulation Protector PlusSM (APP) Annuity? &nbsp&nbspWhat makes the Accumulation Protector PlusSM(APP) Annuity unique? &nbsp&nbspWhat is the

FINANCIAL OVERVIEW Finances The invested assets of Atlantic Coast Life are comprised of long-term bond holdings, preferred and common stocks, mortgage loans, real estate, policy

PRIVACY Atlantic Coast Life Insurance Company is committed to providing insurance products and services designed to meet your needs. We value you as a customer

LEGAL Conditions of Use Please read these conditions carefully before using this website. If you do not agree with each condition of use specified herein, you

STATE ENDORSEMENTS Atlantic Coast Life is proud to be the endorsed Preneed Provider by the South Carolina Funeral Director’s Association.*Under organizational guidelines, the South Carolina

OFFICERS & BOARD OF DIRECTORS Officers Kenneth King – Chairman Daniel B. Cathcart – Chief Executive Officer Charles E. Sanders – President Douglas Anthony George – Executive Vice President

COMPANY MILESTONES 1925 ACL chartered and the sale of life insurance begins in Charleston, South Carolina. 1940 Purchase of The Rogers Mansion as the company’s

PRENEED REGIONAL DIRECTORS Regional Directors South Carolina, North Carolina Mark Vaughn, CPC (843) 834-0510 Tennessee, Mississippi Don Lucas (615) 310-0636 Georgia, Florida Mitchell Powell (803)

MARKETING SUPPORT ACL is connected to three uniquely different Preneed Marketing Partners that can provide specialized support and program management. Call 1-877-ONE-RING and ask for

CONTACT US We would love to hear from you! If you have any questions, comments, or concerns please fill out the fields below and submit.

FAQ’S -INTERESTED FIRMS Does ACL do business in my state? A look at our preneed may will answer that question. View our availability map How

About Us Our Story Founded in 1925, by Y. W. Scarborough and J. W. Orvin, Atlantic Coast Life   Insurance Company has served funeral homes and

MAKE A PAYMENT As a benefit to our customers, we offer a simple way to make your payments. MAKE A PAYMENT *Simply Easier Payments is

FAQ’S-CONSUMER What Is Preneed Planning? Preneed Planning is the consultative meeting with a funeral home planning counselor to discuss your personal end of life plans.

CONSUMER CONSIDER BUYING PRENEED CONSIDER BUYING PRENEED We Can Help!! This unique product is usually purchased through a funeral professional.  You will need to contact

PRENEED PRODUCTS AND FEATURES Choice of six growth rates (ranging 4.50% to 1.85%, as of 4/1/24) Choice of compound or simple growth Unique Early Payoff

ANNUITY PRODUCTS Atlantic Coast Life has been a beacon of integrity since 1925, providing financial solutions to life’s uncertainties and then delivering at a family’s time