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Safe Anchor (FL Only)

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’s Safe Anchor Market Guarantee annuity provides flexibility by allowing the selection of optional riders to a 5 year, single premium, a deferred annuity with three different indexing strategies, in addition to a fixed account. These riders eliminate possible Surrender Charges or Market Value Adjustments (MVA) in certain situations. The owner selects only the riders that fit his/her needs without paying for features that he/she doesn’t require.

30 Day Option
30 days prior to the end of any guarantee period, the following options are available:
  • Continue the contract for another guarantee period
  • Apply the Accumulation Value to a Settlement Option
  • Take a withdrawal, with no MVA or Surrender Charges, and apply the remaining value to another guarantee period
  • Surrender the contract without MVA or Surrender Charges 
Settlement Options 
  • Option 1 – Life Income Only 
  • Option 2 – Life Income with Guaranteed Period Certain 
  • Option 3 – Period Certain Only 
Death Benefit
The amount payable if the Owner, or the Annuitant if the Owner is not a Natural Person, dies before annuity payments being are equal to the Cash Surrender Value. The following options are available to each beneficiary:
  • Lump Sum
  • Distributed within five years
  • Installment payments using a Settlement Option (Surrender Charges and MVA are waived)
  • Enhanced Death Benefit Option - Receive the Benefit Base payable in equal periodic payments over 5 years. - Benefit Base receives a Rollup Rate equal to 150% of the Net Interest Rate
Surrender Charges Attained Age: 90-93: 5%, 94: 4%, 95: 3%, 96: 2%, 97: 1%, 98-100: 0% 
Available in states: FL

Allocation Accounts

Name Type Rates
5-Year Fixed Account
2.75% Fixed
1-Year S&P 500 PTP Cap
Point to Point
4.1% Cap
1-Year S&P 500 PTP Monthly Average Cap
Point to Point
Monthly average
4.2% Cap
1-Year S&P 500 PTP Monthly Sum Cap
Point to Point
Monthly sum
1.75% Cap

Surrender schedule

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


Name Inbuilt Fee
Preferred 10% Free Withdrawal No 0.15% rate reduction
Accumulated Interest Withdrawal No 0.05% rate reduction
Optional Required Minimum Distribution - 0.16% fee No 0.16% annually