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Fixed Indexed Annuity

Safe Anchor Market Guarantee

Atlantic Coast Life

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4.1%

Best S&P 500 Annual Cap

36

Available states

Product data status: updated regularly

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

See what Safe Anchor Market Guarantee would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of September 4, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$314,891
Est. value at age 80 (Safe Anchor Market Guarantee)
4.1%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 4.2% Monthly cap (Monthly Avg Cap)
✦
How crediting works: the monthly cap limits each positive monthly index return before monthly returns are summed; a down year credits 0%, never a loss. A monthly cap strategy uses month-by-month index changes rather than a single annual point-to-point return. What is a cap vs participation? →
Assumptions: illustrative — applies Safe Anchor Market Guarantee's published monthly cap (4.2% on S&P 500 Index) to a standard benchmark hypothetical monthly index path. Positive monthly returns are capped month by month, negative monthly returns are included in the annual sum, and the final annual credit is floored at 0% over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of September 4, 2026.

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See how Safe Anchor Market Guarantee compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.

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rate data

Run numbers for Safe Anchor Market Guarantee

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Atlantic Coast Life product.

Live product data

Rates as of September 4, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap rate

4.1% cap on S&P 500

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.

1-year term5-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want a recognizable S&P 500 cap alongside multiple S&P crediting cadences and a MYGA-style fixed-rate bucket inside the same contract, who do not need a contractually guaranteed lifetime withdrawal rate, and who have explicitly accepted a below-A-bracket A.M. Best carrier and the contract's surrender lockup with MVA as the price of the contract's crediting menu.

AM Best

B Fair

Surrender period

5 years

Availability

36 states (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.1% cap rate

Annual cap

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly avg cap

4.2% cap rate

Monthly cap

1-year term · 5-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

monthly sum cap

1.75% cap rate

Monthly sum

1-year term · 5-year surrender · Does not vary by premium

Fixed Account

Fixed Account

3% declared rate

Fixed account

5-year term · 5-year surrender · Does not vary by premium

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap, so a buyer gets at least one like-for-like comparison point against other FIAs on this site rather than only proprietary or volatility-controlled index strategies.
  • Multiple S&P 500 crediting cadences are offered on the same contract — an annual point-to-point cap, a monthly-average cap, and a monthly-sum cap — so a buyer who wants S&P 500 exposure has several distinct ways to take it inside one allocation.
  • A declared fixed-rate strategy is offered alongside the index strategies, giving a buyer a MYGA-style guaranteed-interest bucket inside the same contract for the share of premium they do not want shown to index credits.
  • Free-withdrawal allowance, the full year-by-year surrender ladder, the market-value-adjustment flag, the nursing-home waiver, the terminal-illness waiver, and the RMD waiver are all visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • Atlantic Coast Life carries an A.M. Best rating well below the A-bracket threshold many buyers and advisors use as a minimum. The carrier-strength view on this page is from a recognized agency, but a below-A-bracket carrier is a meaningfully different risk tier and should be evaluated explicitly before any allocation decision.
  • The default surrender configuration runs the full filing term with a market-value adjustment on amounts above the free-withdrawal allowance, and the early-year surrender charge starts in double digits. The MVA can magnify a surrender loss in a rising-rate environment — confirm with the carrier how the MVA is computed before any planned partial surrender.
  • The guaranteed minimum cap on this contract is published at a very low floor relative to the current cap, which means the carrier has wide contractual room to lower the renewal cap at each reset. The S&P 500 cap a buyer sees today is the current declared rate, not a multi-year guarantee — read the renewal language before assuming today's cap holds across the surrender term.
  • Several of the riders attached to this contract carry published fees, including a penalty-free-withdrawal rider and an RMD rider that are commonly free on competing FIAs, and the standard death benefit pays cash surrender value rather than account value or a rolled-up income base — confirm which riders are elected and at what fee before signing.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, require an A-bracket or higher carrier as a minimum, want short-surrender liquidity, expect free penalty-free-withdrawal or RMD riders as the industry norm, or require an account-value-based death benefit — none of those are what this contract is built to deliver.

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All crediting strategies

View rate listings (5 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.

Cap: 4.2% · 1-yr

S&P 500 Index

monthly_avg_cap

5-yr surrenderDoes not vary by premium

Cap: 4.1% · 1-yr

S&P 500 Index

cap

5-yr surrenderDoes not vary by premium

Cap: 1.75% · 1-yr

S&P 500 Index

monthly_sum_cap

5-yr surrenderDoes not vary by premium

Fixed: 3% · 5-yr

Fixed Account

fixed

5-yr surrenderDoes not vary by premium

Fixed: 3% · 5-yr

Fixed Account

Fixed account

Does not vary by premium

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Common questions about Safe Anchor Market Guarantee

● Can I lose money in Safe Anchor Market Guarantee?

A negative index return by itself does not reduce the contract's account value: Safe Anchor Market Guarantee credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● How do Safe Anchor Market Guarantee's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Safe Anchor Market Guarantee strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Enhanced Death Benefit Option

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

0.25%

Minimum guaranteed cap for cap-based indexed strategies.

Fixed account guarantee

2.40%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

100.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Certain period, Single life

Published payout options from the normalized contract facts.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Surrender schedule not available for this product

A surrender-charge schedule is currently unavailable for this product. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

brochure

ACLANCHORBR-OT-111824.pdf

Confidence: highReviewed Apr 6, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestB

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Safe Anchor Market Guarantee currently shows 4 distinct indexed or fixed crediting choices across 5 displayed rate entries, including S&P 500 Index and Fixed Account. 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.

  • S&P 500 Index: 4.1% annual cap
  • S&P 500 Index: 4.2% monthly cap
  • S&P 500 Index: 1.75% monthly cap
  • Fixed Account: 3% fixed account rate

Liquidity terms

Why access rules deserve as much attention as rates

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.

  • Nursing home waiver
  • RMD waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as ACLANCHORBR-OT-111824.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.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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Related Resources

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