Atlantic Coast Life
A South Carolina-domiciled annuity issuer (NAIC 61115) with a century-old charter and a focused, rate-forward shelf of seven fixed indexed and multi-year guaranteed annuities - currently rated B (Fair) by AM Best, under review with negative implications, and part of the A-CAP group amid a pending Oaktree control transaction. A carrier that calls for heightened due diligence rather than headline-rate comparison alone.
Financial strength
B u
AM Best
AM Best B u (Fair) - under review, negative
Atlantic Coast Life carries a B (Fair) Financial Strength Rating from AM Best, under review with negative implications, effective January 23, 2026 - a lower-tier rating well below the A-range carriers common in retirement comparisons.
A-CAP group carrier
Presented as a member of the A-CAP family; AM Best identifies Advantage Capital Partners, LLC as the ultimate parent (group figure) and rates Atlantic Coast Life within the A-CAP Group rating unit. Parent scale is context, not a substitute for the issuer's own claims-paying ability.
Pending Oaktree control transaction
In March 2026, A-CAP and funds managed by Oaktree Capital Management announced a master transaction agreement under which Oaktree plans to acquire a controlling stake - subject to restructuring conditions and regulatory approvals. Pending, not closed.
Chartered 1925 in Charleston, SC
A century-old legal entity chartered in 1925 in Charleston, South Carolina, with a longstanding preneed franchise; the modern national annuity business scaled rapidly after the 2015 Advantage Capital acquisition.
7 products: 5 FIAs + 2 MYGAs
The current lineup includes seven Atlantic Coast Life product families - five fixed indexed annuities and two MYGAs - with rates, riders, and guarantee terms shown with current values for each product.
Run live numbers on Atlantic Coast Life products
Choose a product type, then select a current product. The analyzer shows available values for your premium, age, state, and timing, and leaves out details that are not published for that selection.
Income FIAs
Selected product: Guaranteed Income Annuity
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products
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Explore Atlantic Coast Life products
Known Atlantic Coast Life product pages, grouped by what each product group is built to do. Confirm current rates and availability in the analyzer or on the product page.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with product pages for checking caps, participation rates, and fixed-account options.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages are the place to check rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before checking a product page for current strategy details.
Accumulation Protector Plus Annuity
An accumulation-focused fixed indexed annuity from Atlantic Coast Life, built around a recognizable S&P 500 annual point-to-point cap on the base tier plus participation-rate strategies on proprietary CS Momentum and CS ESG Macro 5 indexes, with a premium bonus, a Return of Premium Guarantee, and an optional Rate Enhancement Rider that lifts every rate in exchange for a published rider fee — and no lifetime-income rider in the design.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Retirement Plus Multiplier Annuity
A fixed indexed annuity from Atlantic Coast Life offered in multiple surrender-term variants, built around a recognizable S&P 500 annual point-to-point cap plus a proprietary Aging of America Index in multiple participation cadences, with an optional Buy-Up Rider that lifts crediting rates in exchange for a published rate-enhancement fee and no lifetime-income rider attached in this feed.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
Safe Anchor Market Guarantee
An accumulation-focused fixed indexed annuity from Atlantic Coast Life built around an S&P 500 annual point-to-point cap plus monthly-average and monthly-sum cap variants on the same index and a fixed-rate strategy, with no income rider attached.
Comparable FIA metric
Cap, participation, and trigger rates vary by state and strategy - view product for live rates.
This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or on each product page.
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Compare Atlantic Coast Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Find your fit
Start with the job for the money - then open the live Atlantic Coast Life product page that matches it, and read every rate beside the B (Fair) rating, rider fees, and surrender terms.
Company overview
What Atlantic Coast Life is
Atlantic Coast Life Insurance Company (NAIC 61115) is a South Carolina-domiciled issuer of fixed indexed and multi-year guaranteed annuities, chartered in 1925 in Charleston. Annuity guarantees rely on the financial strength and claims-paying ability of Atlantic Coast Life as the legal issuing carrier.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Atlantic Coast Life is currently part of the A-CAP family; AM Best identifies Advantage Capital Partners, LLC as the ultimate parent (group figure). In March 2026, A-CAP and funds managed by Oaktree Capital Management announced a pending transaction under which Oaktree plans to acquire a controlling stake, subject to restructuring conditions and regulatory approvals - not yet closed.
Announced March 2026 · AnnuityRatesHQ carrier research, June 2026; A-CAP/Oaktree announcement
Atlantic Coast Life groups its annuity offerings around families such as Accumulation Protector Plus Annuity, Retirement Plus Multiplier Annuity, and Safe Haven Bonus Guarantee.
Effective 2026-01-23 · AnnuityRatesHQ carrier research, June 2026; AM Best; CANNEX via AdvisorWorld
Scale, labeled
Legal issuer
ACLICO
Atlantic Coast Life Insurance Company, NAIC 61115, domiciled in South Carolina; the entity responsible for policy guarantees.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Chartered
1925
Chartered in Charleston, South Carolina; a century-old legal entity with a modern, rapidly scaled annuity business.
Chartered 1925 · AnnuityRatesHQ carrier research, June 2026
Group / parent
A-CAP
Member of the A-CAP family; AM Best names Advantage Capital Partners, LLC as ultimate parent (group figure). Oaktree control transaction pending as of March 2026.
Announced March 2026 · AnnuityRatesHQ carrier research, June 2026; AM Best
AM Best
B u (Fair)
B (Fair) Financial Strength Rating, under review with negative implications, effective January 23, 2026; long-term ICR bb+ u. AM Best Financial Size Category IX ($250M-<$500M adjusted policyholder surplus range, group/rating-unit context).
Effective 2026-01-23 · AnnuityRatesHQ carrier research, June 2026; AM Best
History highlights
Atlantic Coast Life was chartered in 1925 in Charleston, South Carolina, beginning as a regional life insurer; it later built a longstanding preneed (funeral-planning) franchise.
Chartered 1925 · AnnuityRatesHQ carrier research, June 2026
In 2015 the company was purchased by Advantage Capital, beginning its current ownership phase; from 2016 onward it expanded rapidly into a national annuity carrier across dozens of states.
Acquired 2015 · AnnuityRatesHQ carrier research, June 2026
From 2024 to 2026 the carrier entered a defining transition: rating under review, publicized regulatory disputes, a January 23, 2026 AM Best downgrade to B (Fair), and a pending Oaktree control transaction announced in March 2026.
Effective 2026-01-23 · AnnuityRatesHQ carrier research, June 2026; AM Best
An A-CAP carrier in an active ownership and credit transition
Atlantic Coast Life operated for decades as a regional South Carolina life insurer with a longstanding preneed franchise. It was purchased by Advantage Capital in 2015, after which its national annuity business scaled rapidly - premium income reportedly jumped to roughly $250M in 2016 (group-era figure) as the carrier expanded across dozens of states.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
Today Atlantic Coast Life is presented as a member of the A-CAP family, with AM Best identifying Advantage Capital Partners, LLC as the ultimate parent (group figure). A-CAP is a privately held insurance and financial-services holding company that has faced rating pressure across its rating unit.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026; AM Best
On March 13, 2026, A-CAP and funds managed by Oaktree Capital Management announced a master transaction agreement under which Oaktree plans to acquire a controlling stake in Atlantic Coast Life. The transaction requires A-CAP to complete a carve-out restructuring and obtain regulatory approvals; it is a potential de-risking catalyst, not a completed change of control, and should not be read as evidence that current rating concerns are already resolved. (Oaktree is majority-owned by Brookfield - relevant context, not an issuer guarantee.)
Announced March 2026 · AnnuityRatesHQ carrier research, June 2026; A-CAP/Oaktree announcement
Financial strength
AM Best
B u
B (Fair) Financial Strength Rating - under review with negative implications, effective January 23, 2026 (long-term ICR bb+ u). "Fair" indicates a fair ability to meet ongoing insurance obligations, more vulnerable to adverse underwriting and economic conditions than higher-rated carriers. This is materially below the A-range; older B++ references are stale and should not be used as current.
Effective 2026-01-23
AM Best company profile; AnnuityRatesHQ carrier research, June 2026
What makes Atlantic Coast Life different
Heightened-disclosure carrier, not an A-range name
Atlantic Coast Life is rated B (Fair) by AM Best, under review with negative implications since January 23, 2026 - a lower financial-strength tier than most national annuity competitors. A high advertised rate, premium bonus, or long guarantee term does not offset issuer credit risk; the carrier's claims-paying ability is a first-order product feature here.
Effective 2026-01-23 · AnnuityRatesHQ carrier research, June 2026; AM Best
Rate-forward, rider-rich product design
The shelf leans into differentiated rate, bonus, and rider designs - premium bonuses, roll-ups, proprietary indexes, and enhanced-rate riders - that can look attractive in rate-first comparisons. Read any headline number beside its rider fee, bonus vesting schedule, and surrender terms, all of which use current data.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Product names that need contract-level review
Names like "Guaranteed Income" and "Income Navigator" do not always map cleanly to a live GLWB or protected-income feature; current data treats several income-named products as accumulation-oriented. Open the product page before assuming an income rider or benefit base exists - and remember a benefit base is not cash surrender value.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
An ownership story still in motion
Currently an A-CAP carrier with a pending Oaktree control transaction announced in March 2026. Investment governance, capital support, and reinsurance structure could change if the deal closes - but until closing and regulatory approval are verified, Oaktree is the proposed, not completed, owner.
Announced March 2026 · AnnuityRatesHQ carrier research, June 2026; A-CAP/Oaktree announcement
About Atlantic Coast Life
Atlantic Coast Life Insurance Company (NAIC 61115), chartered in 1925 in Charleston, South Carolina, is a life and annuity issuer with a longstanding preneed franchise and a national annuity business that scaled rapidly after Advantage Capital acquired the carrier in 2015. It is currently part of the A-CAP family.
Checked 2026-07-16 · AnnuityRatesHQ carrier research, June 2026
The central issue for buyers is financial strength and ownership transition, not product availability. AM Best rates Atlantic Coast Life B (Fair), under review with negative implications, effective January 23, 2026 - a fair, lower-tier rating. Separately, a pending Oaktree transaction to acquire a controlling stake was announced in March 2026 and remains subject to restructuring and regulatory approvals. Financial-strength ratings are opinions of claims-paying ability, not guarantees of contract performance.
Effective 2026-01-23 · AnnuityRatesHQ carrier research, June 2026; AM Best; A-CAP/Oaktree announcement
Atlantic Coast Life offers accumulation, bonus, and income-oriented FIAs alongside the Safe Harbor and Safe Haven fixed-rate families. Compare any rate or bonus advantage against the lower rating tier, surrender terms, rider costs, and state guaranty-association limits.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
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Sources
- Atlantic Coast Life corporate site (ACLICO) — 2026-07-16
- AnnuityRatesHQ carrier research - Atlantic Coast Life provider page (NAIC 61115, A-CAP group, 7 products, B u rating) — Checked 2026-07-16
- AM Best company profile - B u (Fair), under review with negative implications, effective January 23, 2026 (ICR bb+ u) — Effective 2026-01-23
- A-CAP / Oaktree master transaction announcement - pending controlling-stake acquisition (subject to restructuring and regulatory approval) — Announced March 2026
- Live product catalog (5 FIAs: Accumulation Protector Plus, Retirement Plus Multiplier, Income Navigator, Guaranteed Income, Safe Anchor Market Guarantee; 2 MYGAs: Safe Harbor, Safe Haven), rates, riders: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026