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Withdrawals that exceed the free-withdrawal amount or full surrender during the guarantee period are subject to a declining surrender charge schedule. Charges begin at 9% in the first contract year and decline annually. A Market Value Adjustment (MVA) applies to early withdrawals beyond the penalty-free allowance and may increase or decrease surrender values depending on market rate changes at the time of withdrawal.

Preferred 10% Free Withdrawal Rider (optional; reduces rate by 0.15%)

Death Benefit Rider (optional; reduces rate by 0.25%)

There are no ongoing administrative or maintenance fees. Costs apply only if early withdrawals exceed penalty-free limits and may include surrender charges or an MVA adjustment.

Upon death of the owner, beneficiaries receive the full accumulation value, payable without surrender charges.

Waivers of surrender charges apply in cases of nursing home confinement, terminal illness, or hospitalization, where approved.

Beginning in the first contract year, policyholders may withdraw up to 10% of the accumulation value annually without penalty. If the Required Minimum Distribution (RMD) exceeds this amount, it is also available free of charge.

Offered for both qualified and non-qualified funds as a single-premium deferred annuity (SPDA). No additional premium payments are accepted after issue.

Issued by Atlantic Coast Life Insurance Company, part of the A-CAP family of companies, the Safe Haven™ annuity is designed for individuals seeking secure, guaranteed growth without market risk. The product is available for both qualified and non-qualified funds and offers flexible surrender options and optional riders that enhance liquidity and death benefit protection. Beneficiaries receive the full accumulation value upon the death of the owner, payable without any reduction for surrender charges.

At the end of the guarantee term, the policy automatically renews at Atlantic Coast Life’s then-current declared rate (not less than the MGIR). The owner may also withdraw or annuitize without penalty.

During the guarantee period, the surrender value equals the accumulation value minus any applicable surrender charges and MVA. Once the term ends, the full accumulation value is available without penalty.

 that offers fixed, tax-deferred growth and full principal protection over guaranteed periods of 

 It combines predictable accumulation with optional liquidity features, including penalty-free annual withdrawals and benefit waivers for qualifying life events. The product also features a Market Value Adjustment (MVA) that may increase or decrease surrender values based on prevailing market interest rates. Upon maturity, policyholders may choose to renew, withdraw, or annuitize their funds without penalty.

Withdrawals exceeding the penalty-free amount or full surrender during the term are subject to a declining surrender charge schedule. The schedule begins at 9% in Year 1 and decreases annually by one percentage point. A Market Value Adjustment (MVA) applies to early withdrawals beyond the free-withdrawal limit, which may increase or decrease the surrender value depending on current market conditions.

There are no administrative or maintenance fees. The only costs that may apply are surrender charges and MVA adjustments if withdrawals exceed the penalty-free limit during the term.

Beneficiaries receive the full accumulation value, payable without surrender charges or MVA.

Waivers of surrender charges are available for terminal illness, hospitalization, or nursing home confinement, as approved under Florida state guidelines.

Beginning in the first contract year, the policyholder may withdraw up to 10% of the accumulation value annuallywithout penalty. Required Minimum Distributions (RMDs) above this amount are also available without charge.

Available for both qualified and non-qualified funds. This is a single-premium deferred annuity (SPDA) — additional contributions are not allowed after issue.

Issued by Atlantic Coast Life Insurance Company, part of the A-CAP group, Safe Haven™ FL is approved under Florida-specific insurance rules. It provides the same strong guarantees as the standard version, tailored to Florida’s regulatory environment. Available for both qualified and non-qualified funds, the product offers secure, predictable returns and flexible withdrawal provisions. In the event of death, beneficiaries receive the full accumulation value, payable without any reduction for surrender charges or MVA.

At the end of the guarantee term, the contract renews automatically at Atlantic Coast Life’s then-current declared rate (not less than the MGIR). Policyholders may also choose to withdraw or annuitize without penalty.

During the guarantee term, equals accumulation value minus any applicable surrender charges and MVA. After maturity, the full accumulation value is available without penalty.

 designed exclusively for Florida residents. It offers 

fixed, tax-deferred growth and full principal protection

The product provides predictable accumulation with built-in liquidity options, including penalty-free annual withdrawals and waivers for qualifying life events. It features a Market Value Adjustment (MVA)provision, which can increase or decrease surrender values based on market interest rate movements. At the end of the term, policyholders can renew into a new rate period, withdraw the full value, or annuitize without penalty.

Atlantic Coast Life – Safe Haven™ (3-, 5-, 6-, 7-Year Terms)

Atlantic Coast Life – Safe Haven™ FL (3-, 5-, 6-, 7-Year Terms)