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Retirement Plus Multiplier 5 with Growth Accumulation Buy-up Rider

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

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Atlantic Coast Life Retirement Plus Multiplier Annuity is a 5, 7, or 10 years, single premium, deferred annuity with four different index crediting strategies in addition to a fixed account. Two optional riders are available, the Growth Benefit (Accumulation Buy-up Rider) and the Income Multiplier (Guaranteed Lifetime Withdrawal Benefit), one of which may be selected.
Atlantic Coast Life Insurance Company launched a new feature for the Retirement Plus Multiplier (RPM) Annuity that will offer even more flexibility. On the contract anniversary coinciding with the end of a strategy’s crediting period, contract owners will now be able to reallocate the account value from that strategy to any of the RPM's one, two, or three-year crediting strategies. For example, if your client has premium allocated to a 1-year strategy and a 3-year strategy, at the end of the 1-year strategy’s crediting period they can allocate those funds to a new 1, 2, or 3-year strategy while their other 3-year strategy is still at play. With more options, your clients will be able to more easily try out different RPM growth strategies to best suit their needs.

Growth Benefit
This accumulation Buy-Up rider applies an increase to the Cap and Participation Rate to any applicable Index Account. The Growth Benefit Rider increases the growth potential of your annuity's index accounts. When you purchase this rider, the participation and cap rates are increased so your annuity benefits from more of the market's positive performance.
Available in states: AL, AZ, AR, CO, FL, GA, HI, IL, IN, IA, KS, KY, LA, MD, MA, MS, MO, MT, NE, NV, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
5% Fixed
1-Year Goldman Sachs Aging of America Dynamic Balance PTP Participation Rate
Point to Point
200% Participation
3-Year Goldman Sachs Aging of America Dynamic Balance PTP Participation Rate
Point to Point
350% Participation
1-Year S&P 500 PTP Cap
Point to Point
14.5% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
60% Participation
2-Year Goldman Sachs Aging of America Dynamic Balance PTP Participation Rate
Point to Point
275% Participation
2-Year S&P 500 PTP Participation Rate
Point to Point
75% Participation

Surrender schedule

Year 1 2 3 4 5
Penalty 10% 9% 8% 7% 6%