How many Atlantic Coast Life products are available?

We currently list 2 MYGA and 1 FIA products from Atlantic Coast Life.

What are the rates for Atlantic Coast Life products?

Current rates vary by product and term. Use our simulator to compare rates and features.

What types of annuities does Atlantic Coast Life offer?

Atlantic Coast Life offers both MYGA (Multi-Year Guaranteed Annuity) and FIA (Fixed Index Annuity) products with competitive rates.

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B++

Atlantic Coast Life – Safe Haven™ (Florida)

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Best Rate

5.80%

Guarantee Periods

20 Year(s)

Account Balance

$542,712.76

Yearly Lifetime Income

$55,151.28@ 5.80%

Available Rates

3 Years	5.68%
5 Years	5.85%
6 Years	5.82%
7 Years	5.84%
10 Years	5.80%
20 Years	5.80%

Available Guarantee Periods

Rates based on investment amount $100,000.00

$10,000.00 - $1,000,000.00

5.68%

Features

Maximum Issue Age

90 years

Growth Projection

How your money grows

Based on your issue age (55) and target payout age (75), the following guarantee period will be applied:

Guarantee Period	20 years
Rate	5.80%
Age	55 - 75

Summary

Total years to payout	30
Total guarantee periods applied	2

Lifetime Income Details

Payout Options

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only

Payments for the rest of your life, stopping upon death

Period Certain

Guaranteed payments for a specific time period (5, 10, 15, or 20 years)

Life with Period Certain

Lifetime payments with a minimum guaranteed period

Joint Life

Payments continue for both you and your spouse's lifetimes

Systematic Withdrawal

Regular withdrawals of a specified amount or percentage

B++

Atlantic Coast Life – Safe Haven™

Run Full Analysis

Best Rate

5.90%

Guarantee Periods

20 Year(s)

Account Balance

$558,314.37

Yearly Lifetime Income

$57,110.57@ 5.90%

Available Rates

3 Years	4.78%
5 Years	5.90%
6 Years	5.87%
7 Years	5.89%
10 Years	5.90%
20 Years	5.90%

Available Guarantee Periods

Rates based on investment amount $100,000.00

$10,000.00 - $1,000,000.00

4.78%

Features

Maximum Issue Age

90 years

Growth Projection

How your money grows

Based on your issue age (55) and target payout age (75), the following guarantee period will be applied:

Guarantee Period	20 years
Rate	5.90%
Age	55 - 75

Summary

Total years to payout	30
Total guarantee periods applied	2

Lifetime Income Details

Payout Options

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only

Payments for the rest of your life, stopping upon death

Period Certain

Guaranteed payments for a specific time period (5, 10, 15, or 20 years)

Life with Period Certain

Lifetime payments with a minimum guaranteed period

Joint Life

Payments continue for both you and your spouse's lifetimes

Systematic Withdrawal

Regular withdrawals of a specified amount or percentage

B++

ACL RPM

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Portfolio Average Credit Rate

3.46%

Projection Years

30 Years

Account Balance

$204,420.02

Lifetime Income

$13,065.00

Portfolio Analysis

Portfolio Summary

Allocation Mode	Equal
Total Number of Strategies Available	4

Portfolio Strategy-by-Strategy Analysis

Index Fund	FIXED
Rate Strategy Type	Fixed
Rate	3.00%
Allocated Amount	$0 0.0%

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	5.00%
Allocated Amount	$33,333 0.3%
Accumulated Credit Amount	$34,887
Accumulated Rider Fees	-$12,147
Final Account Value	$56,074
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Rider Fees	Ending Balance
1 (55)	$33,333	37.88%	+$1,667 5.00%	-$332 0.95%	$34,667
2 (56)	$34,667	-11.91%	- Floor Protected	-$329 0.95%	$34,338
3 (57)	$34,338	-28.48%	- Floor Protected	-$326 0.95%	$34,012
4 (58)	$34,012	-47.07%	- Floor Protected	-$323 0.95%	$33,689
5 (59)	$33,689	-14.78%	- Floor Protected	-$320 0.95%	$33,369
6 (60)	$33,369	44.08%	+$1,668 5.00%	-$333 0.95%	$34,704
7 (61)	$34,704	-4.71%	- Floor Protected	-$330 0.95%	$34,375
8 (62)	$34,375	41.37%	+$1,719 5.00%	-$343 0.95%	$35,751
9 (63)	$35,751	27.92%	+$1,788 5.00%	-$357 0.95%	$37,181
10 (64)	$37,181	-38.59%	- Floor Protected	-$353 0.95%	$36,828
11 (65)	$36,828	24.55%	+$1,841 5.00%	-$367 0.95%	$38,302
12 (66)	$38,302	-5.18%	- Floor Protected	-$364 0.95%	$37,938
13 (67)	$37,938	-15.09%	- Floor Protected	-$360 0.95%	$37,578
14 (68)	$37,578	-17.86%	- Floor Protected	-$357 0.95%	$37,221
15 (69)	$37,221	12.43%	+$1,861 5.00%	-$371 0.95%	$38,711
16 (70)	$38,711	19.45%	+$1,936 5.00%	-$386 0.95%	$40,260
17 (71)	$40,260	13.80%	+$2,013 5.00%	-$402 0.95%	$41,872
18 (72)	$41,872	30.72%	+$2,094 5.00%	-$418 0.95%	$43,547
19 (73)	$43,547	-11.87%	- Floor Protected	-$414 0.95%	$43,134
20 (74)	$43,134	5.00%	+$2,157 5.00%	-$430 0.95%	$44,860
21 (75)	$44,860	-0.65%	- Floor Protected	-$426 0.95%	$44,434
22 (76)	$44,434	10.46%	+$2,222 5.00%	-$443 0.95%	$46,213
23 (77)	$46,213	21.68%	+$2,311 5.00%	-$461 0.95%	$48,062
24 (78)	$48,062	16.35%	+$2,403 5.00%	-$479 0.95%	$49,986
25 (79)	$49,986	11.78%	+$2,499 5.00%	-$499 0.95%	$51,987
26 (80)	$51,987	-6.62%	- Floor Protected	-$494 0.95%	$51,493
27 (81)	$51,493	45.02%	+$2,575 5.00%	-$514 0.95%	$53,554
28 (82)	$53,554	26.40%	+$2,678 5.00%	-$534 0.95%	$55,697
29 (83)	$55,697	2.62%	+$1,457 2.62%	-$543 0.95%	$56,611
30 (84)	$56,611	-14.31%	- Floor Protected	-$538 0.95%	$56,074

Index Fund	S&P-500
Rate Strategy Type	Participation
Rate	28.00%
Allocated Amount	$33,333 0.3%
Accumulated Credit Amount	$53,052
Accumulated Rider Fees	-$14,673
Final Account Value	$71,712
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Rider Fees	Ending Balance
1 (55)	$33,333	37.88%	+$3,536 10.61%	-$350 0.95%	$36,519
2 (56)	$36,519	-11.91%	- Floor Protected	-$347 0.95%	$36,172
3 (57)	$36,172	-28.48%	- Floor Protected	-$344 0.95%	$35,828
4 (58)	$35,828	-47.07%	- Floor Protected	-$340 0.95%	$35,488
5 (59)	$35,488	-14.78%	- Floor Protected	-$337 0.95%	$35,151
6 (60)	$35,151	44.08%	+$4,338 12.34%	-$375 0.95%	$39,114
7 (61)	$39,114	-4.71%	- Floor Protected	-$372 0.95%	$38,742
8 (62)	$38,742	41.37%	+$4,488 11.58%	-$411 0.95%	$42,819
9 (63)	$42,819	27.92%	+$3,348 7.82%	-$439 0.95%	$45,728
10 (64)	$45,728	-38.59%	- Floor Protected	-$434 0.95%	$45,293
11 (65)	$45,293	24.55%	+$3,113 6.87%	-$460 0.95%	$47,947
12 (66)	$47,947	-5.18%	- Floor Protected	-$455 0.95%	$47,492
13 (67)	$47,492	-15.09%	- Floor Protected	-$451 0.95%	$47,040
14 (68)	$47,040	-17.86%	- Floor Protected	-$447 0.95%	$46,594
15 (69)	$46,594	12.43%	+$1,621 3.48%	-$458 0.95%	$47,757
16 (70)	$47,757	19.45%	+$2,600 5.45%	-$478 0.95%	$49,879
17 (71)	$49,879	13.80%	+$1,927 3.86%	-$492 0.95%	$51,314
18 (72)	$51,314	30.72%	+$4,414 8.60%	-$529 0.95%	$55,198
19 (73)	$55,198	-11.87%	- Floor Protected	-$524 0.95%	$54,674
20 (74)	$54,674	5.00%	+$765 1.40%	-$527 0.95%	$54,913
21 (75)	$54,913	-0.65%	- Floor Protected	-$522 0.95%	$54,391
22 (76)	$54,391	10.46%	+$1,593 2.93%	-$532 0.95%	$55,452
23 (77)	$55,452	21.68%	+$3,366 6.07%	-$559 0.95%	$58,260
24 (78)	$58,260	16.35%	+$2,667 4.58%	-$579 0.95%	$60,348
25 (79)	$60,348	11.78%	+$1,990 3.30%	-$592 0.95%	$61,746
26 (80)	$61,746	-6.62%	- Floor Protected	-$587 0.95%	$61,159
27 (81)	$61,159	45.02%	+$7,710 12.61%	-$654 0.95%	$68,215
28 (82)	$68,215	26.40%	+$5,043 7.39%	-$696 0.95%	$72,562
29 (83)	$72,562	2.62%	+$532 0.73%	-$694 0.95%	$72,399
30 (84)	$72,399	-14.31%	- Floor Protected	-$688 0.95%	$71,712

Index Fund	S&P-500
Rate Strategy Type	Participation
Rate	38.00%
Allocated Amount	$33,333 0.3%
Accumulated Credit Amount	$57,271
Accumulated Rider Fees	-$13,970
Final Account Value	$76,635
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Rider Fees	Ending Balance
1 (55)	$33,333	37.88%	- 2Y P2P	-$317 0.95%	$33,017
2 (56)	$33,017	-11.91%	+$2,693 8.16% Floor Protected 2Y P2P	-$339 0.95%	$35,370
3 (57)	$35,370	-28.48%	- Floor Protected 2Y P2P	-$336 0.95%	$35,034
4 (58)	$35,034	-47.07%	- Floor Protected 2Y P2P	-$333 0.95%	$34,701
5 (59)	$34,701	-14.78%	- Floor Protected 2Y P2P	-$330 0.95%	$34,371
6 (60)	$34,371	44.08%	+$2,976 8.66% 2Y P2P	-$355 0.95%	$36,992
7 (61)	$36,992	-4.71%	- Floor Protected 2Y P2P	-$351 0.95%	$36,641
8 (62)	$36,641	41.37%	+$4,832 13.19% 2Y P2P	-$394 0.95%	$41,079
9 (63)	$41,079	27.92%	- 2Y P2P	-$390 0.95%	$40,689
10 (64)	$40,689	-38.59%	- Floor Protected 2Y P2P	-$387 0.95%	$40,302
11 (65)	$40,302	24.55%	- 2Y P2P	-$383 0.95%	$39,919
12 (66)	$39,919	-5.18%	+$2,746 6.88% Floor Protected 2Y P2P	-$405 0.95%	$42,260
13 (67)	$42,260	-15.09%	- Floor Protected 2Y P2P	-$401 0.95%	$41,859
14 (68)	$41,859	-17.86%	- Floor Protected 2Y P2P	-$398 0.95%	$41,461
15 (69)	$41,461	12.43%	- 2Y P2P	-$394 0.95%	$41,067
16 (70)	$41,067	19.45%	+$5,352 13.03% 2Y P2P	-$441 0.95%	$45,978
17 (71)	$45,978	13.80%	- 2Y P2P	-$437 0.95%	$45,541
18 (72)	$45,541	30.72%	+$8,438 18.53% 2Y P2P	-$513 0.95%	$53,466
19 (73)	$53,466	-11.87%	- Floor Protected 2Y P2P	-$508 0.95%	$52,958
20 (74)	$52,958	5.00%	- 2Y P2P	-$503 0.95%	$52,455
21 (75)	$52,455	-0.65%	- Floor Protected 2Y P2P	-$498 0.95%	$51,957
22 (76)	$51,957	10.46%	+$1,923 3.70% 2Y P2P	-$512 0.95%	$53,368
23 (77)	$53,368	21.68%	- 2Y P2P	-$507 0.95%	$52,861
24 (78)	$52,861	16.35%	+$8,351 15.80% 2Y P2P	-$582 0.95%	$60,630
25 (79)	$60,630	11.78%	- 2Y P2P	-$576 0.95%	$60,054
26 (80)	$60,054	-6.62%	+$998 1.66% Floor Protected 2Y P2P	-$580 0.95%	$60,472
27 (81)	$60,472	45.02%	- 2Y P2P	-$574 0.95%	$59,898
28 (82)	$59,898	26.40%	+$18,963 31.66% 2Y P2P	-$749 0.95%	$78,112
29 (83)	$78,112	2.62%	- 2Y P2P	-$742 0.95%	$77,370
30 (84)	$77,370	-14.31%	- Floor Protected 2Y P2P	-$735 0.95%	$76,635

Strategy Performance Comparison

Simulated values based on historical real-world index fund data from 1926 to 2026.

Index Funds

S&P 500

Select an index fund from the left to view its strategies

Hypothetical Growth Simulation

Consolidated Portfolio Performance

Click on a row to view the detailed breakdown of the strategy.

Year (Age)	Total Beginning Balance	Interest Credit	Rider Fees	Total Ending Balance
1 (55)	$100,000	+$5,202 5.20%	-$999 0.95%	$104,203
2 (56)	$104,203	+$2,693 2.58%	-$1,016 0.95%	$105,880
3 (57)	$105,880	+$0 0.00% Floor Protected	-$1,006 0.95%	$104,874
4 (58)	$104,874	+$0 0.00% Floor Protected	-$996 0.95%	$103,878
5 (59)	$103,878	+$0 0.00% Floor Protected	-$987 0.95%	$102,891
6 (60)	$102,891	+$8,982 8.73%	-$1,063 0.95%	$110,810
7 (61)	$110,810	+$0 0.00% Floor Protected	-$1,053 0.95%	$109,758
8 (62)	$109,758	+$11,038 10.06%	-$1,148 0.95%	$119,648
9 (63)	$119,648	+$5,135 4.29%	-$1,185 0.95%	$123,598
10 (64)	$123,598	+$0 0.00% Floor Protected	-$1,174 0.95%	$122,424
11 (65)	$122,424	+$4,955 4.05%	-$1,210 0.95%	$126,169
12 (66)	$126,169	+$2,746 2.18%	-$1,225 0.95%	$127,690
13 (67)	$127,690	+$0 0.00% Floor Protected	-$1,213 0.95%	$126,477
14 (68)	$126,477	+$0 0.00% Floor Protected	-$1,202 0.95%	$125,276
15 (69)	$125,276	+$3,482 2.78%	-$1,223 0.95%	$127,535
16 (70)	$127,535	+$9,888 7.75%	-$1,306 0.95%	$136,117
17 (71)	$136,117	+$3,940 2.89%	-$1,331 0.95%	$138,726
18 (72)	$138,726	+$14,946 10.77%	-$1,460 0.95%	$152,212
19 (73)	$152,212	+$0 0.00% Floor Protected	-$1,446 0.95%	$150,766
20 (74)	$150,766	+$2,922 1.94%	-$1,460 0.95%	$152,228
21 (75)	$152,228	+$0 0.00% Floor Protected	-$1,446 0.95%	$150,782
22 (76)	$150,782	+$5,738 3.81%	-$1,487 0.95%	$155,033
23 (77)	$155,033	+$5,677 3.66%	-$1,527 0.95%	$159,183
24 (78)	$159,183	+$13,421 8.43%	-$1,640 0.95%	$170,963
25 (79)	$170,963	+$4,490 2.63%	-$1,667 0.95%	$173,786
26 (80)	$173,786	+$998 0.57%	-$1,660 0.95%	$173,124
27 (81)	$173,124	+$10,285 5.94%	-$1,742 0.95%	$181,667
28 (82)	$181,667	+$26,684 14.69%	-$1,979 0.95%	$206,371
29 (83)	$206,371	+$1,989 0.96%	-$1,979 0.95%	$206,381
30 (84)	$206,381	+$0 0.00% Floor Protected	-$1,961 0.95%	$204,420

Lifetime Income Summary

Locked Benefit Base	$195,000
Locked Accumulated Value	$204,420
Annual Withdrawal	$13,065
Total Withdrawals	$195,975
Final Account Value	$21,510

Lifetime Income Projection

Yearly Income Projection

Contract Year	Age	Accumulated Value	Bonus Amount	Benefit Base	Lifetime Withdrawal Rate	Available Lifetime Withdrawal Amount	Accumulated Withdrawal Amount
31 Income Start	85	$204,420	+$95,000 Initial: 95.00%	$195,000After Benefit Base Bonus	6.70%	$13,065	$13,065
32Payout Year	86	$191,355	-	$195,000	-	$13,065	$26,130
33Payout Year	87	$178,290	-	$195,000	-	$13,065	$39,195
34Payout Year	88	$165,225	-	$195,000	-	$13,065	$52,260
35Payout Year	89	$152,160	-	$195,000	-	$13,065	$65,325
36Payout Year	90	$139,095	-	$195,000	-	$13,065	$78,390
37Payout Year	91	$126,030	-	$195,000	-	$13,065	$91,455
38Payout Year	92	$112,965	-	$195,000	-	$13,065	$104,520
39Payout Year	93	$99,900	-	$195,000	-	$13,065	$117,585
40Payout Year	94	$86,835	-	$195,000	-	$13,065	$130,650
41Payout Year	95	$73,770	-	$195,000	-	$13,065	$143,715
42Payout Year	96	$60,705	-	$195,000	-	$13,065	$156,780
43Payout Year	97	$47,640	-	$195,000	-	$13,065	$169,845
44Payout Year	98	$34,575	-	$195,000	-	$13,065	$182,910
45Payout Year	99	$21,510	-	$195,000	-	$13,065	$195,975

Available Product Policies Details

Accumulation Phase

Total Available Strategies

Annuitization Phase

Available Payout Options

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