HOME PRODUCTS ALL PRENEED RESOURCES ABOUT AGENTS POLICY HOLDERS AGENT RESOURCES Helpful Links Welcome to the Agent Resources Page Agent Portal Annuity Calculation Tools Product Availability Map Product Forms Safe Haven Rates Effective 10/18/2021 All Other FL 5 Year (Rate) Year 1: 3.95% Year 2+: 2.95% Effective** Compound Level Rate: 3.15% Year 1: 3.85% Year 2+: 2.85% Effective** Compound Level Rate: 3.05% 6 Year (Rate) Year 1: 4.00% Year 2+: 3.00% Effective** Compound Level Rate: 3.17% Year 1: 3.90% Year 2+: 2.90% Effective** Compound Level Rate: 3.07% 7 Year (Rate) Year 1: 4.05% Year 2+: 3.05% Effective** Compound Level Rate: 3.19% Year 1: 3.95% Year 2+: 2.95% Effective** Compound Level Rate: 3.09% 10 Year (Rate) Year 1: 4.15% Year 2+: 3.15% Effective** Compound Level Rate: 3.25% Year 1: 4.05% Year 2+: 3.05% Effective** Compound Level Rate: 3.15% 20 Year (Rate) Years 1-5: 2.55% Year 6-10: 3.05% Year 11-15: 3.55% Year 16-20: 4.05% Effective** Compound Level Rate: 3.30% Year 1: 2.45% Year 6-10: 2.95% Year 11-15: 3.45% Year 16-20: 3.95% Effective** Compound Level Rate: 3.20% Optional Riders Preferred 10% Free Withdrawal - 0.15% interest reduction Death Benefit Feature - 0.25% interest reduction Accumulated Interest Withdrawal - 0.05% interest reduction *Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death Benefit Feature. Owner’s issue age 86-90 for the five, six, seven, and ten year guarantee period and owner’s issue age 70-75 for the twenty year guarantee period are required to purchase Death Benefit Feature. Special introductory cap in the state of Florida. **Rounded to second decimal place Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Not all annuities and optional riders are available in all states. Safe Harbor Rates Effective 10/18/2021 All Other FL 5 Year (Rate) Year 1: 4.15% Year 2+: 3.15% Effective** Compound Level Rate: 3.15% Year 1: 4.05% Year 2+: 3.05% Effective** Compound Level Rate: 3.06% 6 Year (Rate) Year 1: 4.25% Year 2+: 3.25% Effective** Compound Level Rate: 3.16% Year 1: 4.15% Year 2+: 3.15% Effective** Compound Level Rate: 3.07% 7 Year (Rate) Year 1: 4.40% Year 2+: 3.40% Effective** Compound Level Rate: 3.22% Year 1: 4.25% Year 2+: 3.25% Effective** Compound Level Rate: 3.09% 10 Year (Rate) Year 1: 4.65% Year 2+: 3.65% Effective** Compound Level Rate: 3.24% Year 1: 4.55% Year 2+: 3.55% Effective** Compound Level Rate: 3.16% 20 Year (Rate) Years 1-5: 2.55% Year 6-10: 3.55% Year 11-15: 5.55% Year 16-20: 6.55% Effective** Compound Level Rate: 3.29% Year 1: 2.35% Year 6-10: 3.35% Year 11-15: 5.35% Year 16-20: 6.35% Effective** Compound Level Rate: 3.18% Optional Riders Death Benefit Feature - 0.25% interest reduction *Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death Benefit Feature. Owner’s issue age 86-90 for the five, six, seven, and ten year guarantee period and owner’s issue age 70-75 for the twenty year guarantee period are required to purchase Death Benefit Feature. Special introductory cap in the state of Florida. **Rounded to second decimal place Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Not all annuities and optional riders are available in all states. Safe Anchor Rates Effective 02/22/2021 1st Year Rate All Other: 2.70% FL: 2.60% Current Rate Guarantee 5 Yrs Index/Benchmark S&P 500® Participation Rate 100% Caps Annual Point-to-Point: 4.10% Monthly Averaging: 4.20% Monthly Sum: 1.75% Optional Riders and Cost Required Minimum Distribution - 0.16% fee Preferred 10% Free Withdrawal - 0.15% fee Death Benefit Feature - 0.25% fee* Accumulated Interest Withdrawal - 0.05% fee *Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death Benefit Feature. Owner’s issue age 86-90 for the five, six, seven, and ten year guarantee period and owner’s issue age 70-75 for the twenty year guarantee period are required to purchase Death Benefit Feature. Special introductory cap in the state of Florida. Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Not all annuities and optional riders are available in all states. Guaranteed Income Annuity Rates Effective 06/08/2020 10 Year Contract Premium Bonus GLWB Rider: 8.00% Legacy Rider: 10.00% for issue ages under 71 5.00% for issue ages 71-80 3.00% for issue ages 81-85 Accum Rider: 10.00% for issue ages under 71 8.00% for issue ages 71-80 6.00% for issue ages 81-85 1st Year Rate 1.00% (with subsequent purchase premium) Current Rate Guarantee 2 Yrs Index/Benchmark LIBOR Participation Rate 65% Optional Riders and Cost GLWB: 1.25% fee years 1-5, 1.60% fee years 6-10 (10 year contract) Legacy Benefit Rider: 1.25% years 1-5 1.60% fee years 6-10 (10 year contract) Accumulation Rider: No fee *Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death Benefit Feature. Owner’s issue age 86-90 for the five, six, seven, and ten year guarantee period and owner’s issue age 70-75 for the twenty year guarantee period are required to purchase Death Benefit Feature. Special introductory cap in the state of Florida. Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Not all annuities and optional riders are available in all states. Retirement Plus MultiplierSM Annuity Rates Effective 03/15/2021 Fixed Rate 1st Year Rate 2.00% Current Rate Guarantee 1 Yr Goldman Sachs Aging of America Dynamic Balance Index Index Crediting Strategy No Rider Growth Rider Income Multiplier 1-year with point-to-point participation rate 75.00% 125.00% 75.00% 2-year with point-to-point participation rate 100% 160% 100% 3-year with point-to-point participation rate 140.00% 200.00% 140.00% S&P 500® Index Crediting Strategy No Rider Growth Rider Income Multiplier 1-year with point-to-point participation rate 28.00% 40.00% 28.00% 1-year with point-to-point caps 4.00% 6.00% 4.00% Two-year with point-to-point participation rate 36% 56% 36% Rider Fees Surrender Periods 5 Year 7 Year 10 Year Growth Rider 1.25% 1.25% 1.25% Income Multiplier 0.95% 0.95% 0.95% The Goldman Sachs Aging of America Dynamic Balance Index (the “Index”) is a Goldman Sachs owned index. This fixed indexed annuity is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. LLC or any of its affiliates with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively, “Goldman Sachs”). Goldman Sachs makes no representation or warranty, express or implied, regarding the suitability of annuities for your financial situation generally, or fixed indexed annuities or the investment strategy underlying this fixed indexed annuity particularly, the ability of the Goldman Sachs Aging of America Dynamic Balance Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Aging of America Dynamic Balance Index or the suitability of purchasing or holding interests in this fixed indexed annuity. Goldman Sachs does not have any obligation to take the needs of the holders of this fixed indexed annuity into consideration in determining, composing or calculating the Goldman Sachs Aging of America Dynamic Balance Index. GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE GOLDMAN SACHS AGING OF AMERICA DYNAMIC BALANCE INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS FIXED INDEXED ANNUITY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. Income Navigator Rates Effective 05/17/2021 Premium Bonus Base Contract - 7.00% With Income Rider - 5.00% Interest Rate Guarantees 1st Year Rate 1.50% Current Rate Guarantee 1 Yr Indexing Index/Benchmark S&P 500® Participation Rates 100% Caps Annual Point-to-Point Cap: 2.50% Monthly Averaging Cap: 2.50% Daily Averaging Cap: 2.50% Monthly Sum Cap: 1.30% Riders Optional Riders and Cost Income Rider - 1.50% Interest rates as of 05/17/2021 and are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Not all annuities and optional riders are available in all states. Income Navigator has a 10-year surrender schedule. Premium bonuses are subject to a vesting schedule. Inclusion of the income rider subject to age restriction. Accumulation Protector PlusSM Annuity Rates Effective 08/31/2020 Premium Bonus Base Contract 5.00% With Rate Enhancement Rider 5.00% Interest Rate Guarantees No Rider Rate Enhancement Rider 1st Year Fixed Rate 2.35% 3.20% Current Rate Guarantee 1 Year 1 Year Other Guarantees ***The Participation Rates for the Credit Suisse Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast Life Insurance Company continues to have access to the Credit Suisse Momentum Index. Indexing No Rider Rate Enhancement Rider Credit Suisse Momentum Index 1 Year Point-to-Point with Participation Rate*** 100% 140% Credit Suisse Momentum Index 2 Year Point-to-Point with Participation Rate*** 150% 200% Credit Suisse Momentum Index 3 Year Point-to-Point with Participation Rate 180% 250% S&P 500® 1 Year Point-to-Point with Participation Rate 30% 38% S&P 500® 2 Year Point-to-Point with Participation Rate 42% 55% S&P 500® 1 Year Point-to-Point with Cap Rate 4.80% 6.00% Credit Suisse Momentum Index 1 Year with Trigger Rate 4.00% 5.50% Riders Optional Riders and Costs Rate Enhancement Rider: 0.95% fee Attributions and Disclaimers with Respect to Credit Suisse The Credit Suisse Momentum index and “Credit Suisse”, and any trademarks, service marks and logos related thereto are service marks of Credit Suisse Group AG, Credit Suisse International, or one of their affiliates (collectively, “Credit Suisse”). Credit Suisse has no relationship to Atlantic Coast Life Insurance Company, other than certain hedging arrangements and the licensing of the Credit Suisse Momentum index and its service marks for use in connection with the Accumulation Protector PlusSM Annuity, and is not a party to any transaction contemplated hereby. The rules of the Credit Suisse Momentum Index may be amended by Credit Suisse International (the “Index Creator”). An amendment to the rules may result from, without limitation, a change to the construction or calculation rules for the Index or from the Index Creator determining that a change to the rules is required or desirable in order to update them or to address an error, omission or ambiguity. No assurance can be given that any such amendment would not affect parties to this document. The Index is an excess return index, which means that it reflects the return of components net of the cost of funding a hypothetical investment in them. The Index returns are likely to be negatively affected by such costs of funding. The Index has a 0.5% per annum embedded fee deducted on a daily basis. The index fee will place a drag on the performance of the Index, offsetting any appreciation of its portfolio, exacerbating any depreciation of its portfolio and causing the level of the Index to decline steadily if the value of its portfolio remains relatively constant. The Index also contains embedded transaction costs and holding costs. While volatility controls may result in less fluctuation in rates of return as compared to indices without volatility controls, they may also reduce the overall rate of return as compared to products not subject to volatility controls. The end-of-day value of the Credit Suisse Momentum Index is published subject to the provisions in the rules of the Index. Neither the Index Creator nor any of its affiliates is obliged to publish any information regarding the index other than as stipulated in the rules of these indices. The Accumulation Protector PlusSM Annuity is not in any way sponsored, endorsed, sold or promoted by Credit Suisse and Credit Suisse does not make any warranty or representation whatsoever, expressly or impliedly, either as to the results to be obtained from the use of the Credit Suisse Momentum Index (“the Index”), the figure at which the said Index stands at any particular time on any particular day or otherwise, or the advisability of or results to be obtained by using, investing in, or trading the Accumulation Protector PlusSM Annuity. The selection of the Index as a crediting option under the Accumulation Protector PlusSM Annuity does not obligate Atlantic Coast Life Insurance Company or Credit Suisse to invest premium payments in the components of the Index or in other products linked to the Index. Credit Suisse shall not be liable for the results obtained by using, investing in, or trading the Accumulation Protector PlusSM Annuity. The Index is compiled, maintained and calculated by Credit Suisse. However, Credit Suisse shall not be liable (whether in negligence or otherwise) to any person for any error in the Index and Credit Suisse shall not be under any obligation to advise any person of any error therein. Credit Suisse has not published or approved this document and accepts no responsibility for its contents or use. Obligations to make payments under the Accumulation Protector PlusSM Annuity are solely the obligation of Atlantic Coast Life Insurance Company and are not the responsibility of Credit Suisse. The Index is the exclusive property of and currently sponsored by the Index Creator. The Credit Suisse Momentum Index is not in any way sponsored, endorsed or promoted by Credit Suisse. Credit Suisse has no obligation to take the needs of any person into consideration in composing, determining or calculating the Index (or causing the Index to be calculated). In addition, Credit Suisse makes no warranty or representation whatsoever, express or implied, as to the results to be obtained from the use of the Index and/or the level at which the Index stands at any particular time on any particular day or otherwise, and Credit Suisse shall not be liable, whether in negligence or otherwise, to any person for any errors or omissions in the Index or in the calculation of the Index or under any obligation to advise any person of any errors or omissions therein. Credit Suisse shall not be liable for the results obtained by using, investing in, or trading the Credit Suisse Momentum Index. Tax Disclaimer: CSSU does not provide any tax advice. Any tax statement herein regarding any US federal tax is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding any penalties. Any such statement herein was written to support the marketing or promotion of the transaction(s) or matter(s) to which the statement relates. Each taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor. Notwithstanding anything to the contrary herein, each party (and each of their employees, representatives, or other agents) may disclose to any and all persons, without limitation of any kind, the U.S. tax treatment and U.S. tax structure of any transaction that may described or included within the information contained herein relating to such U.S. tax treatment and U.S. tax structure. For this purpose, the tax treatment of a transaction is the purported or claimed U.S. federal income tax treatment of the transaction, and the tax structure of a transaction is any fact that may be relevant to understanding the purported or claimed U.S. federal income tax treatment of any transaction. ERISA: You understand that (i) neither CS nor any of its affiliates has or exercises investment discretion with respect to any assets on behalf of any employee benefit plans or individual retirement accounts (collectively, “Plans”) that may be involved with the purchase, holding, or redemption of a security, (ii) CS is not undertaking to provide impartial investment advice or give advice in a fiduciary capacity on behalf of such Plans within the meaning of the U.S. Department of Labor’s final regulation defining “investment advice” for purposes of the Employee Retirement Income Security Act of 1974, as amended and Section 4975 of the Internal Revenue Code of 1986, as amended, and (iii) the information or communication provided herein or otherwise to the Plans or a fiduciary on behalf of any of the Plans is intended to be, and should be construed as, general information, and it does not and will not take into account your legal, regulatory, tax, business, investment, financial, accounting or other needs or priorities with respect to any Plans. ATLANTIC COAST LIFE INSURANCE COMPANY IS A MEMBER OF THE A-CAP FAMILY Atlantic Coast Life Insurance Company is a premier provider of life insurance and annuity products for families throughout the nation. CONTACT US HOME OFFICE Sales & Marketing : 1565 Sam Rittenberg Blvd., Suite102 Administrative Office: 1565 Sam Rittenberg Blvd., Suite 200 FOR APPLICATIONS AND PAYMENTS Annuities & Medicare Supplement: P.O. Box 27248, Salt Lake City, UT 84127-0248 Life & Preneed: P.O. Box 20010, Charleston, SC 29413 PHONE: 1-844-442-3847 PRENEED PHONE: 877-ONE-RING (877-663-7464) NEW BUSINESS FAX: 843-300-4007 POLICY SERVICES FAX: 843-300-4009 QUICK LINKS Products All Preneed Resources About Agents Policy Holders Copyright © 2021 Atlantic Coast Life Inc. All rights Reserved.