Safe Haven Bonus Guarantee
Atlantic Coast Life
39
States
A fixed-rate deferred annuity designed for retirees and near-retirees who want guaranteed income and principal protection with flexibility in how long their money grows and how they access it.
Available In
39 states
Min Premium
$5,000
Surrender
20 years
Key Features
Interest Bonus
Year 1 onlyAdditional interest credited in the first year for 3, 5, 6, 7, and 10-year terms to boost early account growth
Flexible Guarantee Periods
3-20 yearsChoose how long your rate is guaranteed: 3, 5, 6, 7, 10, or 20 years
Tax-Deferred Growth
Full deferral periodNo taxes owed on interest earnings until you withdraw, allowing compound growth on pre-tax dollars
Principal Protection
100% guaranteedYour entire initial investment is guaranteed by the insurance company regardless of market conditions
Optional Riders
Optional costsAdd features you need: 10% annual free withdrawal, accumulated interest withdrawal, or enhanced death benefits
Guaranteed Income Option
3-20 year termsConvert to fixed monthly, quarterly, or annual payments for 3-20 years at contract end
Renewal Feature
Unlimited renewalsAt contract end, renew into a new guarantee period with a new rate during a 30-day window with no surrender charges
Highlights
Choose your own guarantee period from 3 to 20 years to match your retirement timeline
Pay only for the optional features you want, resulting in higher interest rates than competitors
Earn an interest bonus in year 1 plus guaranteed fixed rates for tax-deferred growth
Flexible access to your money with optional riders that waive surrender charges for qualifying withdrawals
Surrender Schedule
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
5%
Yr 8
5%
Yr 9
5%
Yr 10
5%
Yr 11
5%
Yr 12
5%
Yr 13
5%
Yr 14
5%
Yr 15
5%
Yr 16
5%
Yr 17
5%
Yr 18
5%
Yr 19
5%
Yr 20
5%
After
0%
Best For
Retirees and those within 5-10 years of retirement who want predictable income, principal safety, and don't need immediate or frequent access to their money.
Consider Alternatives If
Investors who may need quick access to their full principal without penalties, those seeking market growth potential, or those in lower tax brackets who don't benefit from tax deferral.
Carrier Ratings
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