THE RETIREMENT PLUS MULTIPLIER® ANNUITY

The Retirement Plus Multiplier® Annuity was created as a resource for your financial planning. Opportunity for growth is increased with this fixed indexed annuity compared to fixed rate alternatives. Accrued revenue is tax-deferred, therefore taxes are not paid on interest until a withdrawal is made.
Funds may be allocated through a variety of diverse index crediting strategies and a fixed rate option. Increases to index crediting strategies happen simultaneous to market growth. Credits are applied to the contract’s accumulation value conditional to either a participation rate or percentage cap.
Your wealth is protected against the potential market downturn. The interest rate is guaranteed at 0%, which means if the market flatlines or dips negative, your credited dividends are protected against a loss.

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.

INCOME MULTIPLIER

Guaranteed Lifetime Withdrawal Rider (GLWB)

Maximize potential for your financial growth with the Income Multiplier rider. Choosing this option will heighten your income potential. You will not outlive the benefit of withdrawals, even after the total withdrawal of the accumulation value.

S&P 500® Index

Comprised of 500 major companies representing leading industries of the U.S. economy.

Brochures PDF Files 

Click a product to download: Retirement Plus Multiplier 

Goldman Sachs 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.

Retirement Plus Multiplier® Annuity Rates

Effective 08/04/2022

Fixed Rate
1st Year Rate 3.65%
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 100% 160% 100%
2-year with point-to-point participation rate 165% 225% 165%
3-year with point-to-point participation rate 215% 300% 215%
S&P 500®
Index Crediting Strategy No Rider Growth Rider Income Multiplier
1-year with point-to-point participation rate 37.50% 50% 37.50%
1-year with point-to-point cap rate 7.25% 10% 7.25%
Two-year with point-to-point participation rate 50% 70% 50%
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 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 Rate2.70%
Current Rate Guarantee1 Yr
Goldman Sachs Aging of America Dynamic Balance Index
Index Crediting StrategyNo RiderGrowth RiderIncome Multiplier
1st Year Rate2.00%
1-year with point-to-point participation rate90%135%90%
2-year with point-to-point participation rate140%200%140%
3-year with point-to-point participation rate180%300%180%
S&P 500®
Index Crediting StrategyNo RiderGrowth RiderIncome Multiplier
1-year with point-to-point participation rate30%42%30%
1-year with point-to-point cap rate4.50%6.50%4.50%
Two-year with point-to-point participation rate40%60%40%
Rider Fees
Surrender Periods5 Year7 Year 10 Year
Growth Rider1.25%1.25%1.25%
Income Multiplier0.95% 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®.

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

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