Atlantic Coast Life
Accumulation Protector Plussm
Rates and specifications only. Our editorial review of this product hasn't been written yet, so there's no star rating or verdict here — the figures below come straight from the carrier's filed rates and brochure.
Type
FIA
Surrender
10 years
Top yield
1.79%
A.M. Best
B
This carrier is rated below A− (our floor for recommending a product). We still publish its rates and specs, but it will not appear in our recommendations.
Current Rates
Yield shown is the guaranteed yield to surrender — the honest effective return, not a first-year teaser rate. Each row is a variant of the same product.
| Strategy | Method | Rate | Cap | Par | Yield to surrender |
|---|---|---|---|---|---|
| 1 Year Fixed Rate Account | Fixed | 3.95% | — | — | 1.79% |
| 1 Year Fixed Rate Account | Fixed | 3.00% | — | — | 1.69% |
| Diversified Macro 5 Index 1 Year Point-to-Point with Participation Rate | Point to Point | — | — | 210.00% | 1.39% |
| Diversified Macro 5 Index 2 Year Point-to-Point with Participation Rate | Point to Point | — | — | 320.00% | 1.39% |
| Diversified Macro 5 Index 3 Year Point-to-Point with Participation Rate | Point to Point | — | — | 465.00% | 1.39% |
| Momentum Index 1 Year Point-to-Point with Participation Rate | Point to Point | — | — | 210.00% | 1.39% |
| Momentum Index 1 Year with Trigger Rate | Point to Point | — | 9.00% | — | 1.39% |
| Momentum Index 2 Year Point-to-Point with Participation Rate | Point to Point | — | — | 320.00% | 1.39% |
| Momentum Index 3 Year Point-to-Point with Participation Rate | Point to Point | — | — | 465.00% | 1.39% |
| S&P 500 1 Year Point-to-Point with Cap Rate | Point to Point | — | 5.00% | — | 1.39% |
| S&P 500 1 Year Point-to-Point with Participation Rate | Point to Point | — | — | 26.00% | 1.39% |
| S&P 500 2 Year Point-to-Point with Participation Rate | Point to Point | — | — | 43.00% | 1.39% |
| Momentum Index 1 Year Point-to-Point with Participation Rate | Point to Point | — | — | 260.00% | 1.39% |
| Diversified Macro 5 Index 1 Year Point-to-Point with Participation Rate | Point to Point | — | — | 260.00% | 1.39% |
| Diversified Macro 5 Index 2 Year Point-to-Point with Participation Rate | Point to Point | — | — | 385.00% | 1.39% |
| Diversified Macro 5 Index 3 Year Point-to-Point with Participation Rate | Point to Point | — | — | 550.00% | 1.39% |
| Momentum Index 1 Year with Trigger Rate | Point to Point | — | 11.00% | — | 1.39% |
| Momentum Index 2 Year Point-to-Point with Participation Rate | Point to Point | — | — | 385.00% | 1.39% |
| Momentum Index 3 Year Point-to-Point with Participation Rate | Point to Point | — | — | 550.00% | 1.39% |
| S&P 500 1 Year Point-to-Point with Cap Rate | Point to Point | — | 5.95% | — | 1.39% |
| S&P 500 1 Year Point-to-Point with Participation Rate | Point to Point | — | — | 38.00% | 1.39% |
| S&P 500 2 Year Point-to-Point with Participation Rate | Point to Point | — | — | 58.00% | 1.39% |
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%
Product Specifications
- Minimum premium (non-qualified)
- $5,000
- Minimum premium (qualified)
- $5,000
- Maximum issue age
- 85
- Free withdrawal
- 10%
- Free withdrawal (year 1)
- 0%
- Market value adjustment
- true
- Return of premium
- true
- States available
- 36 states
Income Riders
Rate Enhancement Rider(built in)
Roll-up: Interest Only
Carrier Brochure
Rates are a snapshot and change frequently. Figures are sourced from the carrier's filed rates via Annuity Rate Watch and refreshed nightly. Nothing here is a recommendation to buy.