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A surrender charge applies to all withdrawals during a contract term unless a rider is selected. The surrender charge amount is a percentage of the amount withdrawn.

If selected, this rider waives the Surrender Charge and MVA associated with accumulated interest

withdrawals. Accumulated interest may be withdrawn annually, semi-annually, quarterly or monthly. The withdrawal amount must be $100 or greater.

DEATH BENEFIT FEATURE - (REQUIRED FOR CERTAIN ISSUE AGES**)

If selected, this rider waives the Surrender Charges and MVA associated with a lump-sum payment in the case of the death of the Owner.

If the optional Death Benefit Feature is not selected the Death Benefit is equal to the Cash Surrender Value in a lump sum, or the Full Account Value in annual payments over a 5 year period. If your spouse is named as the sole, primary beneficiary they may elect to become the owner of the contract and continue it for the remainder of your term. Additional payout options may also be available.

If selected, this rider waives the Surrender Charges and MVA for the first withdrawal per year after the first contract year. The owner may withdraw up to the greater of 10% of the account value (as of the last contract anniversary date) or the required minimum distribution (RMD). Surrender charges and MVA may apply if the withdrawal exceeds the greater of 10% or the RMD or there are multiple withdrawals in that contract year.

At the end of your guarantee period, you will have the option to renew your annuity for another guarantee period. We will contact you and provide a 30-day window to select a new guaranteed interest rate. During your 30-day window you can surrender your annuity for cash with no surrender charges or market value adjustment.

Atlantic Coast Life Insurance Company’s Safe Haven Bonus Guarantee annuity was designed for those who are retired or nearing retirement. Planning for retirement is not always easy and sometimes the control is not yours. Safe Haven Bonus Guarantee offers you a flexible and guaranteed way to have the security and peace of mind you need to enjoy retirement.

Safe Haven

Safe Haven (FL)