Accumulation Protector Plus Annuity
Atlantic Coast Life
5.95%
Best Cap
5%
Free W/D
41
States
A fixed indexed annuity designed to grow your savings while protecting your principal from market losses. Best for conservative investors nearing or in retirement who want growth potential with downside protection.
Free Withdrawal
5%/yr
Available In
41 states
Min Premium
$5,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| CS ESG Macro 5 Index | 2-Year | -- | 320% | -- |
| CS ESG Macro 5 Index | 3Y | -- | 550% | -- |
| CS ESG Macro 5 Index | Annual | -- | 210% | -- |
| CS Momentum Index | 2-Year | -- | 385% | -- |
| CS Momentum Index | 3Y | -- | 465% | -- |
| CS Momentum Index | Annual | -- | 260% | -- |
| S&P 500 Index | 2-Year | -- | 43% | -- |
| S&P 500 Index | Annual | 5.95% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3.95% |
Key Features
Principal Protection
GuaranteedYour money won't lose value due to market downturns; indexed accounts typically offer a minimum guaranteed interest rate of at least 0%
5% Premium Bonus
5% of initial premiumOne-time bonus credited immediately to your account to increase earnings potential
10-Year Rate Guarantees
10 years from issue dateParticipation rates for Momentum Index and Diversified Macro 5 Index strategies locked in for 10 years
Flexible Crediting Strategies
1, 2, or 3-year crediting periodsChoose from 11 different strategies across three indices plus a fixed account; adjust allocations annually
Free Withdrawals
5% or RMD, whichever is greaterAccess up to 5% of account value or required minimum distribution annually starting in year 2 with no penalties
Rate Enhancement Rider
0.95% annual feeOptional rider that increases fixed, participation, and cap rates, plus offers 110% return of premium guarantee if held to year 10
Death Benefit
Greater of two valuesBeneficiaries receive greater of account value less non-vested bonus or minimum guaranteed surrender value
Highlights
Principal protection guaranteed — your money won't decrease due to market downturns
Access to exclusive Momentum Index and Diversified Macro 5 Index with built-in risk controls
Eleven flexible crediting strategies with 1, 2, or 3-year periods you can adjust annually
5% premium bonus immediately credited plus 10-year participation rate guarantees
Multiple settlement options and death benefit protection for your legacy
Surrender Schedule
Yr 1
10%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Conservative investors with low risk tolerance who are nearing retirement or already retired and want to protect accumulated wealth while still participating in market growth.
Consider Alternatives If
Investors with high risk tolerance seeking maximum growth, those needing immediate access to funds, or those in tax-advantaged accounts where tax deferral provides no additional benefit.
Carrier Ratings
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