Current Rates
Safe Haven
Effective 01/10/2024
| All Other | FL* | |
|---|---|---|
| 3 Year (Rate) | Year 1: 6.57% Year 2+: 5.57% Effective** Compound Level Rate: 5.90% | Year 1: 6.30% Year 2+: 5.30% Effective** Compound Level Rate: 5.63% |
| 5 Year (Rate) | Year 1: 6.55% Year 2+: 5.55% Effective** Compound Level Rate: 5.75% | Year 1: 6.30% Year 2+: 5.30% Effective** Compound Level Rate: 5.50% |
| 6 Year (Rate) | Year 1: 6.45% Year 2+: 5.45% Effective** Compound Level Rate: 5.62% | Year 1: 6.35% Year 2+: 5.35% Effective** Compound Level Rate: 5.52% |
| 7 Year (Rate) | Year 1: 6.45% Year 2+: 5.45% Effective** Compound Level Rate: 5.59% | Year 1: 6.35% Year 2+: 5.35% Effective** Compound Level Rate: 5.49% |
| 10 Year (Rate) | Year 1: 6.35% Year 2+: 5.35% Effective** Compound Level Rate: 5.45% | Year 1: 6.25% Year 2+: 5.25% Effective** Compound Level Rate: 5.35% |
| 20 Year (Rate) | Years 1-5: 4.15% Years 6-10: 4.65% Years 11-15: 5.15% Years 16-20: 5.65% Effective** Compound Level Rate: 4.90% | Years 1-5: 4.05% Years 6-10: 4.55% Years 11-15: 5.05% Years 16-20: 5.55% Effective** Compound Level Rate: 4.80% |
| 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 01/10/2024
| All Other | FL | |
|---|---|---|
| 3 Year (Rate) | Year 1: 6.92% Year 2+: 5.92% Effective** Compound Level Rate: 5.90% | Year 1: 6.60% Year 2+: 5.60% Effective** Compound Level Rate: 5.61% |
| 5 Year (Rate) | Year 1: 7.25% Year 2+: 6.25% Effective** Compound Level Rate: 5.75% | Year 1: 6.95% Year 2+: 5.95% Effective** Compound Level Rate: 5.51% |
| 6 Year (Rate) | Year 1: 7.30% Year 2+: 6.30% Effective** Compound Level Rate: 5.62% | Year 1: 7.15% Year 2+: 6.15% Effective** Compound Level Rate: 5.50% |
| 7 Year (Rate) | Year 1: 7.50% Year 2+: 6.50% Effective** Compound Level Rate: 5.61% | Year 1: 7.35% Year 2+: 6.35% Effective** Compound Level Rate: 5.50% |
| 10 Year (Rate) | Year 1: 7.90% Year 2+: 6.90% Effective** Compound Level Rate: 5.45% | Year 1: 7.75% Year 2+: 6.75% Effective**Compound Level Rate: 5.36% |
| 20 Year (Rate) | Years 1-5: 6.00% Years 6-10: 7.00% Years 11-15: 9.00% Years 16-20: 10.00% Effective** Compound Level Rate: 4.89% | Years 1-5: 5.75% Years 6-10: 6.75% Years 11-15: 8.75% Years 16-20: 9.75% Effective** Compound Level Rate: 4.79% |
| 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 1/1/2023
| 1st Year Rate | All Other: 2.75% | FL: 2.75% |
| 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 6/26/2023
| 10 Year Contract | ||||||||
|---|---|---|---|---|---|---|---|---|
| Premium Bonus |
| |||||||
| 1st Year Rate | 2.75% (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 12/7/2023
| Fixed Rate | |||
|---|---|---|---|
| 1st Year Rate | 5.00% | ||
| 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 | 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 | 50% | 60% | 50% |
| 1-year with point-to-point cap rate | 11.50% | 14.50% | 11.50% |
| Two-year with point-to-point participation rate | 60% | 75% | 60% |
| 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 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 Plus SM Annuity Rates
Effective 9/25/2023
| Premium Bonus | |||
| Base Contract | 10% | ||
| With Rate Enhancement Rider | 10% | ||
| 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 CS 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 CS Momentum Index. *****The Participation Rates for the CS 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 CS ESG Macro 5 Index. | ||
| Indexing | |||
| Index/Benchmark | S&P 500 ®, CS Momentum Index, and CS ESG Macro 5 Index | ||
| No Rider | Rate Enhancement Rider | ||
| Trigger Rate | CS Momentum Index 1 Year with Trigger Rate | 9% | 11% |
| Participation Rates | CS Momentum Index 1 Year Point-to-Point with Participation Rate**** | 210% | 260% |
| CS Momentum Index 2 Year Point-to-Point with Participation Rate**** | 320% | 385% | |
| CS Momentum Index 3 Year Point-to-Point with Participation Rate | 465% | 550% | |
| CS ESG Macro 5 Index 1 Year Point-to-Point with Participation Rate***** | 210% | 260% | |
| CS ESG Macro 5 Index 2 Year Point-to-Point with Participation Rate***** | 320% | 385% | |
| CS 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 | 10% | 12.25% |
| 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 CS Momentum Index, the CS ESG Macro 5 Index (the “Indices”), 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, “CS”). CS has no relationship to Atlantic Coast Life Insurance Company, other than the licensing of the CS Momentum Index and the CS ESG Macro 5 Index and its service marks for use in connection with the Accumulation Protector Plus SM Annuity and certain hedging arrangements and is not a party to any transaction contemplated hereby. CS shall not be liable for the results obtained by using, investing in, or trading the Accumulation Protector Plus SM Annuity. CS 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 Plus SM Annuity are solely the obligation of Atlantic Coast Life Insurance Company and are not the responsibility of CS.
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). CS’s view of ESG is based solely on CS’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 CS. 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 CS 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