Best Guaranteed Annuity Rates

Safe Anchor (FL Only)

Get an annuity today!
Learn how an annuity can provide guaranteed income for life.


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
Fixed Index
Purpose Accumulation
5 Years
Surrender schedule
Free withdrawal
Market value adjustment
Return of premium
Launch date
Minimum contribution
Maximum contribution
Max Age Qualified
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
Open brochure

Find out if the Safe Anchor (FL Only) is the right product for you.

Withdrawal Provisions

Preferred 10% Free Withdrawal
Waives the Surrender Charges and Market Value Adjustment (MVA) for the first withdrawal per year after the first contract year. The annuitant may withdraw up to 10% of the account value or the required minimum distribution, whichever is greater. Surrender charges and MVA may apply if the withdrawal exceeds the 10% or the RMD, whichever is greater, or if there are multiple withdrawals during the contract year. Accumulated Interest Withdrawal Waives the surrender charge and Market Value Adjustment (MVA) associated with accumulated interest withdrawals.

Required Minimum Distribution
Waives the Surrender Charge and Market Value Adjustment (MVA) on any Required Minimum Distribution (RMD)

Accumulated Interest Withdrawal 
Waives the surrender charge and Market Value Adjustment (MVA) associated with accumulated interest withdrawals. 

Allocation Accounts

Name Type Rates
5-Year Fixed Account
3% 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



Basic Death Benefit Feature

Ready to Protect Your Financial Future?

Request a free quote or talk to our financial expert to get help