What is the minimum premium amount for ACL RPM?

The minimum premium amount is $10,000.

What is the maximum premium amount for ACL RPM?

The maximum premium amount is $1,000,000.

What is the issue age range for ACL RPM?

The issue age range is 0 to 85 years.

What is the company rating for Atlantic Coast Life?

The company rating is B++ by AM_BEST.

What are the best rates available for ACL RPM?

The best available performance strategy is S&P 500 - Participation 38.0% (2Y) with 424186.85% final earnings.

ACL RPM - Atlantic Coast Life

Simulation & Edit Mode

Active Product: ACL RPM

Backtesting Notice: All results use historical data (1926-2026) and do NOT guarantee future performance.

You can adjust:

Funding & Timeline: Premium, Ages

Demographics: Zip Code, Gender, Account Type

Atlantic Coast Life

B++

ACL RPM

Provider

Atlantic Coast Life

About this product

Fixed Index Annuity product from Atlantic Coast Life with various crediting strategies and optional riders.

Important Disclaimer

The results displayed here are for simulation purposes only and do not represent financial advice or real-world values. Please consult a qualified financial professional before making any investment decisions.

Portfolio Average Credit Rate

3.46%

Projection Years

30 Years

Account Balance

$272,200.56

Lifetime Income

$272,200.56

Portfolio Analysis

Portfolio Summary

Allocation Mode	Equal
Total Number of Strategies Available	4

Portfolio Strategy-by-Strategy Analysis

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	5.00%
Allocated Amount	$33,333 0.3%
Accumulated Credit Amount	$41,333
Accumulated Rider Fees	-$0
Final Account Value	$74,666
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$33,333	37.88%	+$1,667 5.00%	$35,000
2 (56)	$35,000	-11.91%	- Floor Protected	$35,000
3 (57)	$35,000	-28.48%	- Floor Protected	$35,000
4 (58)	$35,000	-47.07%	- Floor Protected	$35,000
5 (59)	$35,000	-14.78%	- Floor Protected	$35,000
6 (60)	$35,000	44.08%	+$1,750 5.00%	$36,750
7 (61)	$36,750	-4.71%	- Floor Protected	$36,750
8 (62)	$36,750	41.37%	+$1,837 5.00%	$38,587
9 (63)	$38,587	27.92%	+$1,929 5.00%	$40,517
10 (64)	$40,517	-38.59%	- Floor Protected	$40,517
11 (65)	$40,517	24.55%	+$2,026 5.00%	$42,543
12 (66)	$42,543	-5.18%	- Floor Protected	$42,543
13 (67)	$42,543	-15.09%	- Floor Protected	$42,543
14 (68)	$42,543	-17.86%	- Floor Protected	$42,543
15 (69)	$42,543	12.43%	+$2,127 5.00%	$44,670
16 (70)	$44,670	19.45%	+$2,233 5.00%	$46,903
17 (71)	$46,903	13.80%	+$2,345 5.00%	$49,249
18 (72)	$49,249	30.72%	+$2,462 5.00%	$51,711
19 (73)	$51,711	-11.87%	- Floor Protected	$51,711
20 (74)	$51,711	5.00%	+$2,586 5.00%	$54,296
21 (75)	$54,296	-0.65%	- Floor Protected	$54,296
22 (76)	$54,296	10.46%	+$2,715 5.00%	$57,011
23 (77)	$57,011	21.68%	+$2,851 5.00%	$59,862
24 (78)	$59,862	16.35%	+$2,993 5.00%	$62,855
25 (79)	$62,855	11.78%	+$3,143 5.00%	$65,998
26 (80)	$65,998	-6.62%	- Floor Protected	$65,998
27 (81)	$65,998	45.02%	+$3,300 5.00%	$69,298
28 (82)	$69,298	26.40%	+$3,465 5.00%	$72,762
29 (83)	$72,762	2.62%	+$1,904 2.62%	$74,666
30 (84)	$74,666	-14.31%	- Floor Protected	$74,666

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

Index Fund	S&P-500
Rate Strategy Type	Participation
Rate	28.00%
Allocated Amount	$33,333 0.3%
Accumulated Credit Amount	$62,156
Accumulated Rider Fees	-$0
Final Account Value	$95,489
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$33,333	37.88%	+$3,536 10.61%	$36,869
2 (56)	$36,869	-11.91%	- Floor Protected	$36,869
3 (57)	$36,869	-28.48%	- Floor Protected	$36,869
4 (58)	$36,869	-47.07%	- Floor Protected	$36,869
5 (59)	$36,869	-14.78%	- Floor Protected	$36,869
6 (60)	$36,869	44.08%	+$4,550 12.34%	$41,419
7 (61)	$41,419	-4.71%	- Floor Protected	$41,419
8 (62)	$41,419	41.37%	+$4,798 11.58%	$46,217
9 (63)	$46,217	27.92%	+$3,613 7.82%	$49,830
10 (64)	$49,830	-38.59%	- Floor Protected	$49,830
11 (65)	$49,830	24.55%	+$3,425 6.87%	$53,255
12 (66)	$53,255	-5.18%	- Floor Protected	$53,255
13 (67)	$53,255	-15.09%	- Floor Protected	$53,255
14 (68)	$53,255	-17.86%	- Floor Protected	$53,255
15 (69)	$53,255	12.43%	+$1,853 3.48%	$55,109
16 (70)	$55,109	19.45%	+$3,001 5.45%	$58,109
17 (71)	$58,109	13.80%	+$2,245 3.86%	$60,354
18 (72)	$60,354	30.72%	+$5,192 8.60%	$65,546
19 (73)	$65,546	-11.87%	- Floor Protected	$65,546
20 (74)	$65,546	5.00%	+$918 1.40%	$66,464
21 (75)	$66,464	-0.65%	- Floor Protected	$66,464
22 (76)	$66,464	10.46%	+$1,947 2.93%	$68,410
23 (77)	$68,410	21.68%	+$4,153 6.07%	$72,563
24 (78)	$72,563	16.35%	+$3,322 4.58%	$75,885
25 (79)	$75,885	11.78%	+$2,503 3.30%	$78,387
26 (80)	$78,387	-6.62%	- Floor Protected	$78,387
27 (81)	$78,387	45.02%	+$9,882 12.61%	$88,269
28 (82)	$88,269	26.40%	+$6,526 7.39%	$94,795
29 (83)	$94,795	2.62%	+$694 0.73%	$95,489
30 (84)	$95,489	-14.31%	- Floor Protected	$95,489

Index Fund	S&P-500
Rate Strategy Type	Participation
Rate	38.00%
Allocated Amount	$33,333 0.3%
Accumulated Credit Amount	$68,712
Accumulated Rider Fees	-$0
Final Account Value	$102,045
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Ending Balance
1 (55)	$33,333	37.88%	- 2Y P2P	$33,333
2 (56)	$33,333	-11.91%	+$2,718 8.16% Floor Protected 2Y P2P	$36,052
3 (57)	$36,052	-28.48%	- Floor Protected 2Y P2P	$36,052
4 (58)	$36,052	-47.07%	- Floor Protected 2Y P2P	$36,052
5 (59)	$36,052	-14.78%	- Floor Protected 2Y P2P	$36,052
6 (60)	$36,052	44.08%	+$3,121 8.66% 2Y P2P	$39,173
7 (61)	$39,173	-4.71%	- Floor Protected 2Y P2P	$39,173
8 (62)	$39,173	41.37%	+$5,166 13.19% 2Y P2P	$44,339
9 (63)	$44,339	27.92%	- 2Y P2P	$44,339
10 (64)	$44,339	-38.59%	- Floor Protected 2Y P2P	$44,339
11 (65)	$44,339	24.55%	- 2Y P2P	$44,339
12 (66)	$44,339	-5.18%	+$3,050 6.88% Floor Protected 2Y P2P	$47,389
13 (67)	$47,389	-15.09%	- Floor Protected 2Y P2P	$47,389
14 (68)	$47,389	-17.86%	- Floor Protected 2Y P2P	$47,389
15 (69)	$47,389	12.43%	- 2Y P2P	$47,389
16 (70)	$47,389	19.45%	+$6,175 13.03% 2Y P2P	$53,565
17 (71)	$53,565	13.80%	- 2Y P2P	$53,565
18 (72)	$53,565	30.72%	+$9,924 18.53% 2Y P2P	$63,489
19 (73)	$63,489	-11.87%	- Floor Protected 2Y P2P	$63,489
20 (74)	$63,489	5.00%	- 2Y P2P	$63,489
21 (75)	$63,489	-0.65%	- Floor Protected 2Y P2P	$63,489
22 (76)	$63,489	10.46%	+$2,350 3.70% 2Y P2P	$65,838
23 (77)	$65,838	21.68%	- 2Y P2P	$65,838
24 (78)	$65,838	16.35%	+$10,401 15.80% 2Y P2P	$76,239
25 (79)	$76,239	11.78%	- 2Y P2P	$76,239
26 (80)	$76,239	-6.62%	+$1,268 1.66% Floor Protected 2Y P2P	$77,507
27 (81)	$77,507	45.02%	- 2Y P2P	$77,507
28 (82)	$77,507	26.40%	+$24,538 31.66% 2Y P2P	$102,045
29 (83)	$102,045	2.62%	- 2Y P2P	$102,045
30 (84)	$102,045	-14.31%	- Floor Protected 2Y P2P	$102,045

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	Total Ending Balance
1 (55)	$100,000	+$5,202 5.20%	$105,202
2 (56)	$105,202	+$2,718 2.58%	$107,921
3 (57)	$107,921	+$0 0.00% Floor Protected	$107,921
4 (58)	$107,921	+$0 0.00% Floor Protected	$107,921
5 (59)	$107,921	+$0 0.00% Floor Protected	$107,921
6 (60)	$107,921	+$9,421 8.73%	$117,342
7 (61)	$117,342	+$0 0.00% Floor Protected	$117,342
8 (62)	$117,342	+$11,801 10.06%	$129,143
9 (63)	$129,143	+$5,543 4.29%	$134,686
10 (64)	$134,686	+$0 0.00% Floor Protected	$134,686
11 (65)	$134,686	+$5,451 4.05%	$140,137
12 (66)	$140,137	+$3,050 2.18%	$143,187
13 (67)	$143,187	+$0 0.00% Floor Protected	$143,187
14 (68)	$143,187	+$0 0.00% Floor Protected	$143,187
15 (69)	$143,187	+$3,980 2.78%	$147,168
16 (70)	$147,168	+$11,410 7.75%	$158,577
17 (71)	$158,577	+$4,590 2.89%	$163,167
18 (72)	$163,167	+$17,579 10.77%	$180,746
19 (73)	$180,746	+$0 0.00% Floor Protected	$180,746
20 (74)	$180,746	+$3,503 1.94%	$184,249
21 (75)	$184,249	+$0 0.00% Floor Protected	$184,249
22 (76)	$184,249	+$7,011 3.81%	$191,260
23 (77)	$191,260	+$7,003 3.66%	$198,263
24 (78)	$198,263	+$16,716 8.43%	$214,979
25 (79)	$214,979	+$5,646 2.63%	$220,625
26 (80)	$220,625	+$1,268 0.57%	$221,892
27 (81)	$221,892	+$13,182 5.94%	$235,074
28 (82)	$235,074	+$34,529 14.69%	$269,602
29 (83)	$269,602	+$2,598 0.96%	$272,201
30 (84)	$272,201	+$0 0.00% Floor Protected	$272,201

Lump Sum Payout Option Summary

Lump Sum Amount	$272,201
Calculation Method	Final EOY AV from growth projection No surrender charge