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Atlantic Coast Life

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Financial Ratings

AM Best B++

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 Annuity

Protected growth with market upside potential

Principal ProtectionGuaranteed
5% Premium Bonus5% of initial premium
10-Year Rate Guarantees10 years from issue date
Flexible Crediting Strategies1, 2, or 3-year crediting periods

Best for: Conservative investors with low risk tolerance who are nearing retirement or alr...

Details

Guaranteed Income Annuity

Annuity

Protected Growth + Guaranteed Lifetime Income

Market Protection
LIBOR-Based Interest Rate
Guaranteed Lifetime Income
Premium Bonus8-10% bonus

Best for: Retirees and pre-retirees (typically age 55-75+) who want guaranteed lifetime in...

Details

Income Navigator Annuity

Fixed Indexed Annuity

Fixed indexed annuity with guaranteed lifetime income & market growth

7% Premium Bonus7% of premium
Income Rider with 7% Rollup7% for 10 years, then 2% minimum
Guaranteed Lifetime Withdrawal BenefitBased on payout factor and age
Four Index Strategies0% floor on all strategies

Best for: Retirees and near-retirees age 55 or older who want guaranteed lifetime income, ...

Details

Safe Anchor Market Guarantee

Fixed Indexed Annuity

Fixed Rate + Market Indexing | 5-Year Guarantee

Fixed Interest RateVaries by current rates
Annual Point to Point IndexingClosest to market without loss exposure
Monthly AveragingPotential for higher returns in rising markets
Monthly SumOpportunity to earn up to 15%+ annually

Best for: Retirees and pre-retirees age 50+ who want growth potential with downside protec...

Details

Safe Haven Bonus Guarantee

Annuity

Fixed Annuity with Customizable Terms & Year 1 Bonus

Interest BonusYear 1 only
Flexible Guarantee Periods3-20 years
Tax-Deferred GrowthFull deferral period
Principal Protection100% guaranteed

Best for: Retirees and those within 5-10 years of retirement who want predictable income, ...

Details

Financial Ratings

Live from CANNEX

Rating 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

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