AM Best B rated · 7 products
Atlantic Coast Life Annuities
Atlantic Coast Life is an AM Best B-rated annuity carrier. The current lineup includes 7 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
B u
AM Best - Fair
Annuity products
7
7 products across FIA and MYGA families
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product families
- FIA, MYGA
- Indexed crediting
- Fixed, S&P 500, Goldman Sachs Aging of America, Momentum, Diversified Macro 5, SOFR
- Rider fields
- Growth Rider, Income Multiplier, GLWB, Legacy Benefit, Accumulation Rider
- MYGA terms
- 3, 5, 6, 7, 10, 20 years
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
- Category
- Fair
- Action
- Downgraded Under Review
- Effective
- January 23, 2026
AM Best lists B u (Fair), under review with negative implications. Older carrier materials and cached pages may still show B++.
Rating profileProduct Highlights
Current Annuity Highlights
Loading current rates, rider rows, index choices, and contract terms.
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Carrier Profile
About Atlantic Coast Life
Overview: Atlantic Coast Life is an A-CAP Group carrier with a focused annuity catalog and a more complicated financial-strength story than most large national carriers. The current Atlantic Coast annuity lineup includes seven products: five fixed indexed annuities and two MYGAs.
Product lineup: The FIA lineup includes Accumulation Protector Plus, Retirement Plus Multiplier, Income Navigator, Guaranteed Income, and Safe Anchor Market Guarantee. The names are important but not enough: current product data treats several income-named products as accumulation-oriented, so open the product detail before assuming a GLWB or protected-income-value feature exists. The MYGA side is Safe Harbor Bonus Guarantee and Safe Haven Bonus Guarantee.
Notable live products: Current rate data shows Safe Harbor Bonus Guarantee at a 7.7496% effective-yield signal and Safe Haven Bonus Guarantee at a 5.8996% effective-yield signal. Atlantic Coast's public current-rate page also shows product-level rider, bonus, and guarantee details, which is why any higher-looking rate should be read beside the fee, vesting, and surrender terms.
Who it may fit: Atlantic Coast may fit a buyer who is deliberately comparing higher-rate or bonus-style annuity designs and is comfortable doing extra diligence on rating tier, rider costs, and surrender terms. It is not a natural fit for someone whose first requirement is an A-range carrier or a simple, low-friction product lineup.
Financial Strength In Plain English
The current CANNEX rating feed returns A.M. Best B for Atlantic Coast Life, and AM Best's company profile shows B u effective January 23, 2026 after a downgrade, with the rating under review with negative implications. In plain English, this is a fair, lower-tier financial-strength profile. Do not rely on older B++ language for current analysis; compare any attractive rate or bonus against the lower rating tier and the under-review status.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Atlantic Coast Annuity Reviews
AnnuityRatesHQ Editorial Team · November 5, 2024
Our 2024 review framed Atlantic Coast Life as an established fixed and fixed-indexed annuity carrier for conservative growth, tax deferral, and principal protection. It called out competitive rates and product choice, while also noting a lower financial-strength tier than some competitors and mixed customer-service feedback.
The review cited an AM Best B++ rating at publication. The current rating panel above uses the newer AM Best B u rating effective January 23, 2026.
Use this archive review for background only; current rate, rider, state, and rating details should come from the live product pages and source links in the current profile.
Product Highlights
Short notes from product pages.
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.
Open product pageSafe Harbor Bonus Guarantee
A multi-year guaranteed annuity from Atlantic Coast Life sold on a simple-interest step schedule with multiple guarantee-period lengths from short- to ultra-long-dated, a generous annual free-withdrawal allowance, a long surrender ladder with MVA, and availability in a limited subset of US jurisdictions.
Open product pageRetirement 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.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
Index Options
Accumulation Protector Plus
S&P 500, Momentum Index, Diversified Macro 5 Index
Rate Enhancement Rider appears as a separate column on the carrier rate page.
Retirement Plus Multiplier
S&P 500, Goldman Sachs Aging of America Dynamic Balance Index
Growth Rider and Income Multiplier have separate rate columns.
Safe Anchor
S&P 500
Annual point-to-point, monthly averaging, and monthly sum caps are listed.
Guaranteed Income
SOFR benchmark
GLWB, Legacy Benefit, and Accumulation rider rows are listed.
Income Navigator
S&P 500
Income Rider fee appears on the current rates page.
MYGA Options
Safe Haven Bonus Guarantee
3, 5, 6, 7, 10, and 20-year guarantee choices
Preferred 10% Free Withdrawal, Death Benefit Feature, and Accumulated Interest Withdrawal are shown as interest reductions.
Safe Harbor Bonus Guarantee
3, 5, 6, 7, 10, and 20-year guarantee choices
Death Benefit Feature is shown as an interest reduction; Florida contracts require it priced into the rates.
Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
A002BS
Accumulation Protector Plus Annuity
- Coverage
- 41 jurisdictions
- Current rate
- Available
A00302
Retirement Plus Multiplier Annuity
- Coverage
- 41 jurisdictions; carrier brochure excludes Florida
- Current rate
- Available
Carrier-published rate sheet is reconciled below because this product has public current-rate detail.
View product detailsA00305
Income Navigator Annuity
- Coverage
- 41 jurisdictions
- Current rate
- Available
A0030P
Guaranteed Income Annuity
- Coverage
- 34 jurisdictions
- Current rate
- Available
A0032P
Safe Anchor Market Guarantee
- Coverage
- 36 jurisdictions
- Current rate
- Available
A001O6
Safe Harbor Bonus Guarantee
- Coverage
- 39 jurisdictions
- Current rate
- Available
A001V9
Safe Haven Bonus Guarantee
- Coverage
- 39 jurisdictions
- Current rate
- Available
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Rate Check
Published Rate Check
Carrier-published values checked against the product pages.
Retirement Plus Multiplier Annuity
Effective October 30, 2024
| Metric | No rider | Growth Rider | Income Multiplier |
|---|---|---|---|
| Fixed 1st-year rate | 3.00% | - | - |
| S&P 500 1-year cap | 5.00% | 5.95% | 5.00% |
| S&P 500 1-year participation | 28% | 38% | 28% |
| S&P 500 2-year participation | 38% | 53% | 38% |
| Aging of America 1-year participation | 150% | 200% | 150% |
| Aging of America 3-year participation | 250% | 350% | 250% |
| Rider charge | None | 1.25% | 0.95% |
Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
AM Best currently lists Atlantic Coast Life at B u (Fair), under review with negative implications, effective January 23, 2026.
The home office shown here is Charleston, South Carolina. Some older cached pages list Greenville.
The current Atlantic Coast Life annuity lineup includes seven products. Search and rate tables may show fewer after filters for state, premium, strategy, or product type.
Atlantic Coast Life materials mention income riders or GLWB features for some income-named products. Check the carrier rate sheet and product page before relying on an income feature.
When a rate depends on an optional rider or enhancement, compare it together with the rider cost.
Source Links
Carrier and ARHQ product pages used for this profile.
Browse
Atlantic Coast Life Product Families
Product-list pages carry the full tables, filters, and detail links.
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