Fixed annuity review and rates

Safe Harbor (Most States)

Safe Harbor Bonus Guarantee is a single premium-deferred annuity that earns a fixed rate of interest,allowing your money to grow on a tax-deferred basis. Our annuity offers multiple guarantee periods to align with your specific needs, and guarantees the interest rate for that entire guaranteed period. Safe Harbor Bonus Guarantee gives you control over the duration of the annuity, which can be five, six, seven, ten or twenty years.

Our annuity also offers optional features you are able to select to customize your plan whereas most other annuities are loaded with features you don't want or need, giving you a lower interest rate. With Safe Harbor Bonus Guarantee, you pay only for the features you want, making your interest rate higher and your payout greater.

Issue Ages
0 to 90 (5, 6, 7 and 10 year guarantee period)
0 to 75 (20 year guarantee period)

Market Value ADjustment (MVA)
The MVA expires at the end of each Guarantee Period and reinstates if you select a new Guarantee Period. 

Interest Rates

Guaranteed Years Surrender Years Guaranteed Yield Current Yield
5 5 4.65% 4.65%
7 7 4.72% 4.72%
6 6 4.68% 4.68%
10 10 4.75% 4.75%
10 8 4.75% 4.75%
6 6 4.68% 4.68%
7 7 4.72% 4.72%
5 5 4.65% 4.65%


Name Inbuilt Fee
Death Benefit Feature No 0.25% rate reduction
Atlantic Coast Life Insurance Company
Founded: 1925
A.M. Best: B++
S&P: B++
Carrier details
Free withdrawal
Types of funds
Non-Qualified, 401k, IRA, IRA Rollover, 401a, IRA Transfer, SEP IRA, IRA-Roth, SIMPLE IRA, 1035 Exchange, Stretch IRA, Inherited IRA, and TSP