Safe Anchor Market Guarantee
Atlantic Coast Life
4.1%
Best Cap
36
States
The Safe Anchor Market Guarantee is a 5-year fixed indexed annuity that combines guaranteed growth with the potential for market-linked returns. It's designed for retirees and pre-retirees who want growth potential without direct market risk.
Available In
36 states
Min Premium
$5,000
Surrender
9 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Index | Annual | 4.1% | 100% | -- |
| S&P 500 Index | Monthly | 4.2% | 100% | -- |
| Fixed Account | Daily | -- | -- | 3% |
Key Features
Fixed Interest Rate
Varies by current ratesGuaranteed initial rate for 5 years with daily compounding and 1% minimum guarantee
Annual Point to Point Indexing
Closest to market without loss exposureInterest based on S&P 500 change over the policy year; market dips during the year don't affect earnings
Monthly Averaging
Potential for higher returns in rising marketsInterest based on average of 12 monthly closing values; higher earnings potential during significant market increases
Monthly Sum
Opportunity to earn up to 15%+ annuallyInterest based on monthly S&P 500 changes with a monthly cap; highest earning potential
Surrender Charges
10%, 9%, 8%, 7%, 5%Declining charges from 10% year 1 to 5% year 5; charges waived at age 98+
Enhanced Death Benefit
Additional protection for heirsBeneficiary receives Benefit Base plus interest at 150% of net rate, paid over 5 years
Highlights
5-year guaranteed fixed rate with option to index to S&P 500 for potential higher returns
Participate in market gains without exposure to market losses through multiple indexing strategies
Flexible withdrawal options with optional riders to waive surrender charges
Multiple settlement options including lifetime income, period certain, and enhanced death benefits
Daily compounding interest with guaranteed 1% minimum rate during fixed period
Surrender Schedule
Yr 1
10%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
5%
Yr 6
4%
Yr 7
3%
Yr 8
2%
Yr 9
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Retirees and pre-retirees age 50+ who want growth potential with downside protection, can commit funds for 5 years, and prefer guaranteed income options.
Consider Alternatives If
Investors needing frequent access to funds, those in low tax brackets without tax-deferred accounts, or those seeking aggressive market exposure with no downside protection.
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