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10%
Free W/D
34
States
Product data status: June 26, 2026
Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Free Comparison Report
See how Guaranteed Income Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.
Live rate data
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Atlantic Coast Life product.
Live product data
Rates as of June 26, 2026, based on the latest AdvisorWorld scan of CANNEX data.
An accumulation fixed indexed annuity from Atlantic Coast Life with a premium bonus on a vesting tail that extends past the surrender term, a deliberately narrow crediting menu of a guaranteed fixed bucket plus a SOFR monthly-average participation rate, and no income rider or Protected Income Value attached despite the product name.
Best fit
Accumulation-focused buyers committing to the full deferral term who want a simple, narrow crediting menu rather than a long index list, value a premium bonus and are comfortable holding the contract through the multi-year vesting tail, accept a below-A-bracket carrier in exchange for those terms, and are funding the contract for growth rather than for a guaranteed lifetime withdrawal.
AM Best
B Fair
Surrender period
10 years
Free withdrawal
10%/yr
Availability
34 states
Caps, participation rates, and declared rates are shown separately.
Fixed Account
Fixed Account
3% declared rate
1-year term · 10-year surrender · Premium band not shown
1-year term
10-year surrender
Premium band not shown
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Fixed: 3% · 1-yr
Fixed Account
fixed
Par: 55% · M
United States SOFR Secured Overnight Financing Rate
monthly_avg_participation
Income rider
Income rider
Product analyst notes
Not ideal for
Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, expect built-in income through a Protected Income Value chassis, want an annual point-to-point cap on the S&P 500 or any other equity index they can compare line-for-line against other FIAs, prefer a plain MYGA-style declared rate without participation-rate math, need short-surrender liquidity, require an account-value-based or rolled-up death benefit, or screen carriers at the A-bracket or above on A.M. Best — none of those are what this contract is built to deliver.
Free Comparison Report
See how Guaranteed Income Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.
These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.
Fixed: 3% · 1-yr
Fixed Account
fixed
Par: 55% · M
United States SOFR Secured Overnight Financing Rate
monthly_avg_participation
Income rider
GLWB
Income rider
GLWB
Linked review
Atlantic Coast Guaranteed Income Annuity offers secure, tax-deferred income, with riders for lifelong income, legacy, or growth flexibility.
CFA take
“In my view, the Atlantic Coast Guaranteed Income Annuity is designed primarily for retirees seeking predictable lifetime income and legacy planning rather than accumulation-focused growth. The product stands out because of its flexible rider structure, allowing investors to tailor the annuity toward income, beneficiary protection, or accumulation objectives depending on their retirement priorities. Features such as the strong GLWB roll-up rates, home healthcare income enhancement, and legacy-focused payout structures make the product particularly appealing for conservative retirees focused on long-term financial security and estate planning. That said, the trade-offs are important to understand. The rider fees are relatively high and can meaningfully reduce long-term account growth, especially given the product’s already modest accumulation potential. The SOFR-linked crediting approach also makes the annuity behave differently from traditional equity-linked FIAs, offering more interest-rate-sensitive growth rather than meaningful equity upside participation. Additionally, Atlantic Coast’s lower AM Best rating compared to larger annuity carriers may be an important consideration for highly conservative buyers prioritizing insurer strength. Overall, I would view this product as best suited for retirees prioritizing guaranteed income, principal protection, and legacy flexibility over maximizing long-term market-linked returns.”
In a year the index falls, Guaranteed Income Annuity credits 0% — the floor — so your account value does not drop from market losses. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 8.5% roll-up and 4.8% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.
Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
Use "Compare against" in the analyzer to overlay Guaranteed Income Annuity with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver, Terminal illness waiver
Bonus terms can vary by state, premium band, and rider election.
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Guaranteed minimum interest rate (fixed): 1.00%
Minimum guaranteed participation: 10.00%
Contract conversion options should be confirmed before purchase.
Availability can vary by state and product terms.
Yr 1
10%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
brochure
Direct link not published — request the document from the carrier.
Crediting design
Guaranteed Income Annuity currently shows 2 indexed or fixed crediting options, including Fixed Account, with 1 volatility-controlled index option grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.
Income rider language
Guaranteed Lifetime Withdrawal Benefit Rider is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.
Liquidity terms
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
Verification note
Carrier materials such as guaranteedincomeannuity_compressed.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Free Comparison Report
See how Guaranteed Income Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.