Highest effective annual rate
5.9091%
5-yr effective annual yield · 5-yr surrender schedule · $5,000+ premium
7.45% simple interest quoted · Most states · MVA · Liquidity rider unknown · $5,000+ premium.
View all rates and terms ↓10%
Free W/D
39
Available jurisdictions
Rates as of August 24, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Safe Harbor Bonus Guarantee
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Atlantic Coast Life product.
Live product data
Rates as of August 24, 2026, from AdvisorWorld and CANNEX.
Lead-term effective annual rate
5.91% effective annual rate over the 5-year term
A multi-year guaranteed annuity from Atlantic Coast Life with a step-rate schedule, multiple guarantee-period lengths from short to long term, term-matched surrender schedules with an MVA, a generous annual free-withdrawal allowance, and availability in a limited subset of US jurisdictions.
Best fit
Safety-first buyers who want a known contractual rate schedule for a defined number of years, value a meaningful annual free-withdrawal allowance, can commit principal across the full guarantee period, and are comfortable underwriting a below-A-bracket carrier after reviewing state-guaranty-association coverage in their state.
Available guarantee terms
3, 5, 6, 7, 10, and 20 years
AM Best
B Fair
Available surrender terms
3, 5, 6, 7, 10, and 20 years
Free withdrawal
10%/yr
Availability
39 jurisdictions (restricted footprint)
Product analyst notes
How to think about this contract
Why it can stand out
- Published guaranteed rates at several distinct guarantee-period lengths spanning short, mid, long, and ultra-long terms, so a buyer can match the lock-in window to a real planning horizon — including a long-term option that most MYGA filings do not offer.
- Annual free-withdrawal allowance sits toward the higher end of the MYGA range, giving a buyer meaningful penalty-free access each year alongside the rate lock.
- The contract supports qualified and non-qualified money and single, joint, trust, or corporate ownership under the same filing, so most ownership structures do not require a different product.
- Both single-life and joint-life annuitization options are available, so a buyer who eventually wants to convert the contract value to a lifetime income stream has that route built in.
What to confirm
- This product uses a step schedule — a higher first-year rate followed by a lower renewal rate for the remainder of the guarantee period. The marketing headline is the first-year rate; this page surfaces CANNEX's effective annual rate over the full term for an apples-to-apples comparison and does not infer an unstated interest-crediting convention.
- Atlantic Coast Life sits below the A-bracket where most large MYGA carriers are rated. A buyer locking principal for the full guarantee period should weigh the rate against the carrier financial-strength view and check state-guaranty-association coverage limits in their state of residence.
- Each displayed guarantee term has a matching surrender schedule, and a market value adjustment also applies. An early exit beyond the annual free-withdrawal allowance can therefore reduce contract value until the selected term's surrender schedule ends.
- The contract is offered in a limited subset of US jurisdictions — confirm the buyer's state of residence on the state-availability section of this page before any planning work, because eligibility is not nationwide. The death benefit is the contract value (with applicable surrender charges and MVA per contract terms) — there is no roll-up, step-up, or premium bonus credited to the death benefit.
Not ideal for
Buyers who need short-window liquidity beyond the annual free-withdrawal allowance, buyers who insist on an A-bracket carrier, buyers who read the first-year 'bonus' rate as the rate they will earn over the full term, buyers who want market-linked upside or a guaranteed-lifetime-income rider, or buyers looking for a stepped-up or roll-up death benefit — a step-rate MYGA is none of those things.
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Guaranteed Rates by Term
CANNEX identifies each state, MVA, and liquidity-rider version below. Compound-equivalent annual rates are the primary comparison measure; the carrier's quoted simple-interest rate remains visible beneath each value.
| Contract version | Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|---|
| FL · MVA · Liquidity rider unknown | 3-Year | 3-Year schedule | Jan 1, 2026 | 5.702%Effective annual rate · full term6.7% quoted simple interest6.7% first year · 5.7% renewal |
| FL · MVA · Liquidity rider unknown | 5-Year | 5-Year schedule | Jan 1, 2026 | 5.8295%Effective annual rate · full term7.35% quoted simple interest7.35% first year · 6.35% renewal |
| FL · MVA · Liquidity rider unknown | 6-Year | 6-Year schedule | Jan 1, 2026 | 5.8435%Effective annual rate · full term7.6% quoted simple interest7.6% first year · 6.6% renewal |
| FL · MVA · Liquidity rider unknown | 7-Year | 7-Year schedule | Jan 1, 2026 | 5.8571%Effective annual rate · full term7.85% quoted simple interest7.85% first year · 6.85% renewal |
| FL · MVA · Liquidity rider unknown | 10-Year | 10-Year schedule | Jan 1, 2026 | 5.7859%Effective annual rate · full term8.45% quoted simple interest8.45% first year · 7.45% renewal |
| FL · MVA · Liquidity rider unknown | 20-Year | 20-Year schedule | Jan 1, 2026 | 5.0916%Effective annual rate · full term9.45% quoted simple interest9.45% first year · 8.45% renewal |
| Most states · MVA · Liquidity rider unknown | 3-Year | 3-Year schedule | Jan 1, 2026 | 5.7914%Effective annual rate · full term6.8% quoted simple interest6.8% first year · 5.8% renewal |
| Most states · MVA · Liquidity rider unknown | 5-Year | 5-Year schedule | Jan 1, 2026 | 5.9091%Effective annual rate · full term7.45% quoted simple interest7.45% first year · 6.45% renewal |
| Most states · MVA · Liquidity rider unknown | 6-Year | 6-Year schedule | Jan 1, 2026 | 5.8961%Effective annual rate · full term7.67% quoted simple interest7.67% first year · 6.67% renewal |
| Most states · MVA · Liquidity rider unknown | 7-Year | 7-Year schedule | Jan 1, 2026 | 5.8926%Effective annual rate · full term7.9% quoted simple interest7.9% first year · 6.9% renewal |
| Most states · MVA · Liquidity rider unknown | 10-Year | 10-Year schedule | Jan 1, 2026 | 5.9058%Effective annual rate · full term8.65% quoted simple interest8.65% first year · 7.65% renewal |
| Most states · MVA · Liquidity rider unknown | 20-Year | 20-Year schedule | Jan 1, 2026 | 5.2072%Effective annual rate · full term9.75% quoted simple interest9.75% first year · 8.75% renewal |
Key Features
Death benefit
Optional Contract Value DBBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
3-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
After
0%
3-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
After
0%
5-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
5-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
6-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
5%
After
0%
6-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
5%
After
0%
7-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
5%
Yr 7
5%
After
0%
7-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
5%
Yr 7
5%
After
0%
10-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
5%
Yr 7
5%
Yr 8
5%
Yr 9
5%
Yr 10
5%
After
0%
10-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
5%
Yr 7
5%
Yr 8
5%
Yr 9
5%
Yr 10
5%
After
0%
20-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
5%
Yr 7
5%
Yr 8
5%
Yr 9
5%
Yr 10
5%
Yr 11
5%
Yr 12
5%
Yr 13
5%
Yr 14
5%
Yr 15
5%
Yr 16
5%
Yr 17
5%
Yr 18
5%
Yr 19
5%
Yr 20
5%
After
0%
20-Year Version
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
5%
Yr 7
5%
Yr 8
5%
Yr 9
5%
Yr 10
5%
Yr 11
5%
Yr 12
5%
Yr 13
5%
Yr 14
5%
Yr 15
5%
Yr 16
5%
Yr 17
5%
Yr 18
5%
Yr 19
5%
Yr 20
5%
After
0%
Carrier Ratings
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