Multi-Year Guaranteed Annuity

Safe Haven Bonus Guarantee

Atlantic Coast Life

5.8%

Best Rate

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

Guaranteed Rates by Term

TermGuaranteed Rate
3-Year5.45%
5-Year5.7%
6-Year5.7%
7-Year5.75%
10-Year5.8%
20-Year5.15%

Key Features

Interest Bonus

Year 1 only

Additional 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 years

Choose how long your rate is guaranteed: 3, 5, 6, 7, 10, or 20 years

Tax-Deferred Growth

Full deferral period

No taxes owed on interest earnings until you withdraw, allowing compound growth on pre-tax dollars

Principal Protection

100% guaranteed

Your entire initial investment is guaranteed by the insurance company regardless of market conditions

Optional Riders

Optional costs

Add features you need: 10% annual free withdrawal, accumulated interest withdrawal, or enhanced death benefits

Guaranteed Income Option

3-20 year terms

Convert to fixed monthly, quarterly, or annual payments for 3-20 years at contract end

Renewal Feature

Unlimited renewals

At contract end, renew into a new guarantee period with a new rate during a 30-day window with no surrender charges

Highlights

1

Choose your own guarantee period from 3 to 20 years to match your retirement timeline

2

Pay only for the optional features you want, resulting in higher interest rates than competitors

3

Earn an interest bonus in year 1 plus guaranteed fixed rates for tax-deferred growth

4

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

A.M. BestB

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