THE RETIREMENT PLUS MULTIPLIER® ANNUITY
- Experience potential market index growth
- Secure accumulation value from market loss
- Generate retirement income for your lifetime
- Select from a variety of crediting strategies and riders
Riders
GROWTH BENEFIT
Accumulation Buy Up Rider
If accumulation is the focus of your goal, this rider provides most potential for increase on indexed allotments. Your participation and cap rates are increased with a decision to include this rider—your annuity then achieves more increase in a thriving market.
- More growth potential with higher index account caps and participation rates
INCOME MULTIPLIER
Guaranteed Lifetime Withdrawal Rider (GLWB)
- Access a lifetime of income allowance
- Complement up to 100% of your initial investment with an income bonus
S&P 500® Index
- One-year crediting period with participation rate
- One-year crediting period with cap
- Two-year crediting period with participation rate
Brochures PDF Files
Click a product to download: Retirement Plus Multiplier
Aging of America Index
- One-year crediting period with participation rate
- Two-year crediting period with participation rate
- Three-year crediting period with participation rate
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®.
Retirement Plus Multiplier® Annuity Rates
Effective 06/20/2022
| Fixed Rate |
|---|
| 1st Year Rate | 2.70% | |||
| Current Rate Guarantee | 1 Yr | |||
| Goldman Sachs Aging of America Dynamic Balance Index |
|---|
| Index Crediting Strategy | No Rider | Growth Rider | Income Multiplier | |
| 1st Year Rate | 2.00% | |||
| 1-year with point-to-point participation rate | 90% | 135% | 90% | |
| 2-year with point-to-point participation rate | 140% | 200% | 140% | |
| 3-year with point-to-point participation rate | 180% | 300% | 180% | |
| S&P 500® |
|---|
| Index Crediting Strategy | No Rider | Growth Rider | Income Multiplier | |
| 1-year with point-to-point participation rate | 30% | 42% | 30% | |
| 1-year with point-to-point cap rate | 4.50% | 6.50% | 4.50% | |
| Two-year with point-to-point participation rate | 40% | 60% | 40% | |
| 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% | |
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 Sentinel Security 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 Sentinel Security 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®.
Goldman Sachs Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC
ATLANTIC COAST LIFE INSURANCE COMPANY IS A MEMBER OF THE A-CAP FAMILY
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