HOME PRODUCTS ALL PRENEED RESOURCES ABOUT AGENTS POLICY HOLDERS THE RETIREMENT PLUS MULTIPLIERSM ANNUITY Download Our Brochure The Retirement Plus MultiplierSM Annuity was created as a resource for your financial planning. Opportunity for growth is increased with this fixed indexed annuity compared to fixed rate alternatives. Accrued revenue is tax-deferred, therefore taxes are not paid on interest until a withdrawal is made. Funds may be allocated through a variety of diverse index crediting strategies and a fixed rate option. Increases to index crediting strategies happen simultaneous to market growth. Credits are applied to the contract’s accumulation value conditional to either a participation rate or percentage cap. Your wealth is protected against the potential market downturn. The interest rate is guaranteed at 0%, which means if the market flatlines or dips negative, your credited dividends are protected against a loss. Experience potential market index growth Secure accumulation value from market loss Generate retirement income for your lifetime Select from a variety of crediting strategies and riders Riders GROWTH BENEFIT Accumulation Buy Up Rider If accumulation is the focus of your goal, this rider provides most potential for increase on indexed allotments. Your participation and cap rates are increased with a decision to include this rider—your annuity then achieves more increase in a thriving market. More growth potential with higher index account caps and participation rates INCOME MULTIPLIER Guaranteed Lifetime Withdrawal Rider (GLWB) Maximize potential for your financial growth with the Income Multiplier rider. Choosing this option will heighten your income potential. You will not outlive the benefit of withdrawals, even after the total withdrawal of the accumulation value. Access a lifetime of income allowance Complement up to 100% of your initial investment with an income bonus S&P 500™ Index Comprised of 500 major companies representing leading industries of the U.S. economy. One-year crediting period with participation rate One-year crediting period with cap Two-year crediting period with participation rate Goldman Sachs Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC* Comprised of companies concentrated in the healthcare and real estate sectors that may benefit from serving a growing aging population. One-year crediting period with participation rate Two-year crediting period with participation rate Three-year crediting period with participation rate Goldman Sachs Aging of America Dynamic Balance Index, created by Goldman Sachs & Co. LLC 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. 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. 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