What is the minimum premium amount for ACL RPM?

The minimum premium amount is $Please contact for details.

What is the maximum premium amount for ACL RPM?

The maximum premium amount is $Please contact for details.

What is the issue age range for ACL RPM?

The issue age range is 0 to 85 years.

What is the company rating for American Central Life?

The company rating is B++ by A.M. Best.

What are the best rates available for ACL RPM?

The best available performance strategy is S&P 500 - Participation 38.0% (2Y) with 502101.52% final earnings.

ACL RPM - American Central 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

ACL RPM

Provider

American Central Life

About this product

Fixed Index Annuity product from American Central 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

4.68%

Projection Years

30 Years

Account Balance

$291,061.57

Lifetime Income

$19,501.13

Portfolio Analysis

Portfolio Summary

Allocation Mode	Equal
Total Number of Strategies Available	6

Portfolio Strategy-by-Strategy Analysis

Index Fund	AGING-OF-AMERICA
Rate Strategy Type	Participation
Rate	150.00%
Allocated Amount	$0 0.0%

Index Fund	AGING-OF-AMERICA
Rate Strategy Type	Participation
Rate	200.00%
Allocated Amount	$0 0.0%

Index Fund	AGING-OF-AMERICA
Rate Strategy Type	Participation
Rate	250.00%
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	$69,227
Accumulated Rider Fees	-$16,834
Final Account Value	$85,726
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Rider Fees	Ending Balance
1 (55)	$33,333	-4.91%	- Floor Protected	-$317 0.95%	$33,017
2 (56)	$33,017	21.55%	+$1,992 6.03%	-$333 0.95%	$34,676
3 (57)	$34,676	22.56%	+$2,190 6.32%	-$350 0.95%	$36,517
4 (58)	$36,517	6.27%	+$641 1.76%	-$353 0.95%	$36,805
5 (59)	$36,805	31.73%	+$3,270 8.88%	-$381 0.95%	$39,694
6 (60)	$39,694	18.67%	+$2,075 5.23%	-$397 0.95%	$41,372
7 (61)	$41,372	5.25%	+$608 1.47%	-$399 0.95%	$41,581
8 (62)	$41,581	16.61%	+$1,934 4.65%	-$413 0.95%	$43,102
9 (63)	$43,102	31.69%	+$3,825 8.87%	-$446 0.95%	$46,481
10 (64)	$46,481	-3.10%	- Floor Protected	-$442 0.95%	$46,039
11 (65)	$46,039	30.47%	+$3,928 8.53%	-$475 0.95%	$49,492
12 (66)	$49,492	7.62%	+$1,056 2.13%	-$480 0.95%	$50,068
13 (67)	$50,068	10.08%	+$1,413 2.82%	-$489 0.95%	$50,992
14 (68)	$50,992	1.32%	+$188 0.37%	-$486 0.95%	$50,694
15 (69)	$50,694	37.58%	+$5,334 10.52%	-$532 0.95%	$55,496
16 (70)	$55,496	22.96%	+$3,568 6.43%	-$561 0.95%	$58,503
17 (71)	$58,503	33.36%	+$5,465 9.34%	-$608 0.95%	$63,360
18 (72)	$63,360	28.58%	+$5,070 8.00%	-$650 0.95%	$67,780
19 (73)	$67,780	21.04%	+$3,993 5.89%	-$682 0.95%	$71,091
20 (74)	$71,091	-9.10%	- Floor Protected	-$675 0.95%	$70,416
21 (75)	$70,416	-11.89%	- Floor Protected	-$669 0.95%	$69,747
22 (76)	$69,747	-22.10%	- Floor Protected	-$663 0.95%	$69,084
23 (77)	$69,084	28.68%	+$5,548 8.03%	-$709 0.95%	$73,923
24 (78)	$73,923	10.88%	+$2,252 3.05%	-$724 0.95%	$75,451
25 (79)	$75,451	4.91%	+$1,037 1.37%	-$727 0.95%	$75,762
26 (80)	$75,762	15.79%	+$3,350 4.42%	-$752 0.95%	$78,360
27 (81)	$78,360	5.49%	+$1,205 1.54%	-$756 0.95%	$78,809
28 (82)	$78,809	-37.00%	- Floor Protected	-$749 0.95%	$78,060
29 (83)	$78,060	26.46%	+$5,783 7.41%	-$797 0.95%	$83,047
30 (84)	$83,047	15.06%	+$3,502 4.22%	-$822 0.95%	$85,726

Index Fund	S&P-500
Rate Strategy Type	Cap
Rate	5.00%
Allocated Amount	$33,333 0.3%
Accumulated Credit Amount	$60,012
Accumulated Rider Fees	-$15,508
Final Account Value	$77,838
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Rider Fees	Ending Balance
1 (55)	$33,333	-4.91%	- Floor Protected	-$317 0.95%	$33,017
2 (56)	$33,017	21.55%	+$1,651 5.00%	-$329 0.95%	$34,338
3 (57)	$34,338	22.56%	+$1,717 5.00%	-$343 0.95%	$35,713
4 (58)	$35,713	6.27%	+$1,786 5.00%	-$356 0.95%	$37,142
5 (59)	$37,142	31.73%	+$1,857 5.00%	-$370 0.95%	$38,629
6 (60)	$38,629	18.67%	+$1,931 5.00%	-$385 0.95%	$40,175
7 (61)	$40,175	5.25%	+$2,009 5.00%	-$401 0.95%	$41,783
8 (62)	$41,783	16.61%	+$2,089 5.00%	-$417 0.95%	$43,455
9 (63)	$43,455	31.69%	+$2,173 5.00%	-$433 0.95%	$45,194
10 (64)	$45,194	-3.10%	- Floor Protected	-$429 0.95%	$44,765
11 (65)	$44,765	30.47%	+$2,238 5.00%	-$447 0.95%	$46,557
12 (66)	$46,557	7.62%	+$2,328 5.00%	-$464 0.95%	$48,420
13 (67)	$48,420	10.08%	+$2,421 5.00%	-$483 0.95%	$50,358
14 (68)	$50,358	1.32%	+$665 1.32%	-$485 0.95%	$50,538
15 (69)	$50,538	37.58%	+$2,527 5.00%	-$504 0.95%	$52,561
16 (70)	$52,561	22.96%	+$2,628 5.00%	-$524 0.95%	$54,665
17 (71)	$54,665	33.36%	+$2,733 5.00%	-$545 0.95%	$56,853
18 (72)	$56,853	28.58%	+$2,843 5.00%	-$567 0.95%	$59,128
19 (73)	$59,128	21.04%	+$2,956 5.00%	-$590 0.95%	$61,495
20 (74)	$61,495	-9.10%	- Floor Protected	-$584 0.95%	$60,911
21 (75)	$60,911	-11.89%	- Floor Protected	-$579 0.95%	$60,332
22 (76)	$60,332	-22.10%	- Floor Protected	-$573 0.95%	$59,759
23 (77)	$59,759	28.68%	+$2,988 5.00%	-$596 0.95%	$62,151
24 (78)	$62,151	10.88%	+$3,108 5.00%	-$620 0.95%	$64,638
25 (79)	$64,638	4.91%	+$3,174 4.91%	-$644 0.95%	$67,168
26 (80)	$67,168	15.79%	+$3,358 5.00%	-$670 0.95%	$69,856
27 (81)	$69,856	5.49%	+$3,493 5.00%	-$697 0.95%	$72,652
28 (82)	$72,652	-37.00%	- Floor Protected	-$690 0.95%	$71,962
29 (83)	$71,962	26.46%	+$3,598 5.00%	-$718 0.95%	$74,842
30 (84)	$74,842	15.06%	+$3,742 5.00%	-$747 0.95%	$77,838

Index Fund	S&P-500
Rate Strategy Type	Participation
Rate	38.00%
Allocated Amount	$33,333 0.3%
Accumulated Credit Amount	$115,258
Accumulated Rider Fees	-$21,094
Final Account Value	$127,497
Year-by-Year Breakdown

Year(Age)	Beginning Balance	S&P-500Index Return	Interest Credit	Rider Fees	Ending Balance
1 (55)	$33,333	-4.91%	- Floor Protected 2Y P2P	-$317 0.95%	$33,017
2 (56)	$33,017	21.55%	+$1,955 5.92% 2Y P2P	-$332 0.95%	$34,639
3 (57)	$34,639	22.56%	- 2Y P2P	-$329 0.95%	$34,310
4 (58)	$34,310	6.27%	+$3,943 11.49% 2Y P2P	-$363 0.95%	$37,890
5 (59)	$37,890	31.73%	- 2Y P2P	-$360 0.95%	$37,530
6 (60)	$37,530	18.67%	+$8,033 21.40% 2Y P2P	-$433 0.95%	$45,130
7 (61)	$45,130	5.25%	- 2Y P2P	-$429 0.95%	$44,701
8 (62)	$44,701	16.61%	+$3,861 8.64% 2Y P2P	-$461 0.95%	$48,101
9 (63)	$48,101	31.69%	- 2Y P2P	-$457 0.95%	$47,644
10 (64)	$47,644	-3.10%	+$4,998 10.49% Floor Protected 2Y P2P	-$500 0.95%	$52,143
11 (65)	$52,143	30.47%	- 2Y P2P	-$495 0.95%	$51,647
12 (66)	$51,647	7.62%	+$7,931 15.36% 2Y P2P	-$566 0.95%	$59,012
13 (67)	$59,012	10.08%	- 2Y P2P	-$561 0.95%	$58,452
14 (68)	$58,452	1.32%	+$2,562 4.38% 2Y P2P	-$580 0.95%	$60,434
15 (69)	$60,434	37.58%	- 2Y P2P	-$574 0.95%	$59,860
16 (70)	$59,860	22.96%	+$15,734 26.28% 2Y P2P	-$718 0.95%	$74,875
17 (71)	$74,875	33.36%	- 2Y P2P	-$711 0.95%	$74,164
18 (72)	$74,164	28.58%	+$20,143 27.16% 2Y P2P	-$896 0.95%	$93,411
19 (73)	$93,411	21.04%	- 2Y P2P	-$887 0.95%	$92,523
20 (74)	$92,523	-9.10%	+$3,525 3.81% Floor Protected 2Y P2P	-$912 0.95%	$95,136
21 (75)	$95,136	-11.89%	- Floor Protected 2Y P2P	-$904 0.95%	$94,232
22 (76)	$94,232	-22.10%	- Floor Protected 2Y P2P	-$895 0.95%	$93,337
23 (77)	$93,337	28.68%	- 2Y P2P	-$887 0.95%	$92,450
24 (78)	$92,450	10.88%	+$14,994 16.22% 2Y P2P	-$1,021 0.95%	$106,423
25 (79)	$106,423	4.91%	- 2Y P2P	-$1,011 0.95%	$105,412
26 (80)	$105,412	15.79%	+$8,602 8.16% 2Y P2P	-$1,083 0.95%	$112,932
27 (81)	$112,932	5.49%	- 2Y P2P	-$1,073 0.95%	$111,859
28 (82)	$111,859	-37.00%	- Floor Protected 2Y P2P	-$1,063 0.95%	$110,796
29 (83)	$110,796	26.46%	- 2Y P2P	-$1,053 0.95%	$109,744
30 (84)	$109,744	15.06%	+$18,977 17.29% 2Y P2P	-$1,223 0.95%	$127,497

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	+$0 0.00% Floor Protected	-$950 0.95%	$99,050
2 (56)	$99,050	+$5,598 5.65%	-$994 0.95%	$103,654
3 (57)	$103,654	+$3,907 3.77%	-$1,022 0.95%	$106,539
4 (58)	$106,539	+$6,370 5.98%	-$1,073 0.95%	$111,837
5 (59)	$111,837	+$5,127 4.58%	-$1,111 0.95%	$115,853
6 (60)	$115,853	+$12,039 10.39%	-$1,215 0.95%	$126,677
7 (61)	$126,677	+$2,617 2.07%	-$1,228 0.95%	$128,065
8 (62)	$128,065	+$7,884 6.16%	-$1,292 0.95%	$134,658
9 (63)	$134,658	+$5,997 4.45%	-$1,336 0.95%	$139,319
10 (64)	$139,319	+$4,998 3.59%	-$1,371 0.95%	$142,946
11 (65)	$142,946	+$6,166 4.31%	-$1,417 0.95%	$147,696
12 (66)	$147,696	+$11,315 7.66%	-$1,511 0.95%	$157,500
13 (67)	$157,500	+$3,834 2.43%	-$1,533 0.95%	$159,802
14 (68)	$159,802	+$3,415 2.14%	-$1,551 0.95%	$161,666
15 (69)	$161,666	+$7,861 4.86%	-$1,611 0.95%	$167,917
16 (70)	$167,917	+$21,929 13.06%	-$1,804 0.95%	$188,042
17 (71)	$188,042	+$8,198 4.36%	-$1,864 0.95%	$194,376
18 (72)	$194,376	+$28,056 14.43%	-$2,113 0.95%	$220,319
19 (73)	$220,319	+$6,949 3.15%	-$2,159 0.95%	$225,109
20 (74)	$225,109	+$3,525 1.57%	-$2,172 0.95%	$226,462
21 (75)	$226,462	+$0 0.00% Floor Protected	-$2,151 0.95%	$224,311
22 (76)	$224,311	+$0 0.00% Floor Protected	-$2,131 0.95%	$222,180
23 (77)	$222,180	+$8,536 3.84%	-$2,192 0.95%	$228,524
24 (78)	$228,524	+$20,354 8.91%	-$2,364 0.95%	$246,513
25 (79)	$246,513	+$4,211 1.71%	-$2,382 0.95%	$248,342
26 (80)	$248,342	+$15,310 6.16%	-$2,505 0.95%	$261,148
27 (81)	$261,148	+$4,697 1.80%	-$2,526 0.95%	$263,319
28 (82)	$263,319	+$0 0.00% Floor Protected	-$2,502 0.95%	$260,818
29 (83)	$260,818	+$9,381 3.60%	-$2,567 0.95%	$267,632
30 (84)	$267,632	+$26,221 9.80%	-$2,792 0.95%	$291,062

Lifetime Income Summary

Locked Benefit Base	$291,062
Locked Accumulated Value	$291,062
Annual Withdrawal	$19,501
Total Withdrawals	$292,517
Final Account Value	$18,046

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	$291,062	-	$291,062After Benefit Base Bonus	6.70%	$19,501	$19,501
32Payout Year	86	$271,560	-	$291,062	-	$19,501	$39,002
33Payout Year	87	$252,059	-	$291,062	-	$19,501	$58,503
34Payout Year	88	$232,558	-	$291,062	-	$19,501	$78,005
35Payout Year	89	$213,057	-	$291,062	-	$19,501	$97,506
36Payout Year	90	$193,556	-	$291,062	-	$19,501	$117,007
37Payout Year	91	$174,055	-	$291,062	-	$19,501	$136,508
38Payout Year	92	$154,554	-	$291,062	-	$19,501	$156,009
39Payout Year	93	$135,053	-	$291,062	-	$19,501	$175,510
40Payout Year	94	$115,551	-	$291,062	-	$19,501	$195,011
41Payout Year	95	$96,050	-	$291,062	-	$19,501	$214,512
42Payout Year	96	$76,549	-	$291,062	-	$19,501	$234,014
43Payout Year	97	$57,048	-	$291,062	-	$19,501	$253,515
44Payout Year	98	$37,547	-	$291,062	-	$19,501	$273,016
45Payout Year	99	$18,046	-	$291,062	-	$19,501	$292,517