Financial Ratings
About Atlantic Coast Life
Atlantic Coast Life offers 5 annuity products tracked on our platform. Exclusive access to the Momentum Index and Diversified Macro 5 Index — both proprietary, risk-controlled indices unavailable through other annuity products — combined with 10-year rate guarantees and a generous 5% immediate premium bonus.
Product Lineup
Accumulation Protector Plus Annuity
Fixed Indexed AnnuityProtected growth with market upside potential
Best for: Conservative investors with low risk tolerance who are nearing retirement or alr...
Details →Guaranteed Income Annuity
AnnuityProtected Growth + Guaranteed Lifetime Income
Best for: Retirees and pre-retirees (typically age 55-75+) who want guaranteed lifetime in...
Details →Income Navigator Annuity
Fixed Indexed AnnuityFixed indexed annuity with guaranteed lifetime income & market growth
Best for: Retirees and near-retirees age 55 or older who want guaranteed lifetime income, ...
Details →Safe Anchor Market Guarantee
Fixed Indexed AnnuityFixed Rate + Market Indexing | 5-Year Guarantee
Best for: Retirees and pre-retirees age 50+ who want growth potential with downside protec...
Details →Safe Haven Bonus Guarantee
AnnuityFixed Annuity with Customizable Terms & Year 1 Bonus
Best for: Retirees and those within 5-10 years of retirement who want predictable income, ...
Details →Financial Ratings
Live from CANNEXRating Agency
A.M. Best
Rating
B
Description
Fair
Effective
January 23, 2026
Rating Agency
Fitch
Rating
A
Description
Strong
Effective
November 1, 2017
Rating Agency
Moody's
Rating
A2
Description
Good
Effective
March 11, 2022
Rating Agency
Standard & Poor's
Rating
A
Description
Strong
Effective
April 9, 2025
Rating Analysis
Atlantic Coast Life Insurance Company holds a B++ rating from AM Best, which indicates "Good" financial strength. While not the highest rating, B++ reflects a stable ability to meet obligations and maintain financial health. This rating suggests the company is reliable, though it may be more sensitive to economic changes than higher-rated insurers. Privately managed by Advantage Capital since 2015, Atlantic Coast Life remains among the established providers of fixed and fixed-indexed annuities in the U.S., leveraging nearly a century of experience in the industry.
Atlantic Coast Life Products
Fixed Indexed Annuities
Explore Atlantic Coast Life fixed indexed annuity products with current rates and features.
View Products→Multi-Year Guaranteed Annuities
Compare Atlantic Coast Life MYGA products with guaranteed rates and terms.
View Products→Immediate Annuities (SPIA)
View Atlantic Coast Life single premium immediate annuity options.
View Products→Deferred Income Annuities (DIA)
Explore Atlantic Coast Life deferred income and QLAC products.
View Products→Free Comparison Report
Get Atlantic Coast Life's rate comparison report
See how Atlantic Coast Life's rates, ratings, and product features compare to other carriers — free PDF report.
