Atlantic Coast Life Insurance Company
4.1
based on complex data
Annuity Educator Rating
Annuity review

Safe Harbor 20 (FL Only)

Safe Harbor 20 is the annuity plan for you, if you're nearing or in retirement. It offers a secure and guaranteed approach for your peace of mind. You'll have the flexibility to control the annuity period, which could be anything from three to twenty years. What really stands out is the guarantee period, letting you align the product with your needs while ensuring the interest rate.

One fascinating aspect is the protection of your principal; you can earn a guaranteed rate irrespective of the stock market or interest rates. Another exciting feature is tax-deferred growth, letting you defer your taxation till you make withdrawals. The potential for guaranteed income adds another layer of security. Remember, there's also an interest bonus to get your account growing early on!

Safe Harbor 20 (FL Only)-brochure Safe Harbor 20 (FL Only)-brochure

Safe Harbor 20 (FL Only)

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About Product

Premium Type
Single Premium
Fee withdrawal:
None
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$5,000
Maximum Contribution
$1,000,000
Max Age Qualified
50
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
Launch Date
01/04/2016

MYGA Interest Rates

Term
Rate
Annual percentage yield (APY)
earned over the investment term
20 years 3.75%
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 Age
0 to 50 (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. 

Year by Year Account Balance

Understand how your money will increase when invested in Safe Harbor 20 (FL Only).
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Riders

Name Inbuilt Fee
Death Benefit Feature (FL) Yes 0.25% rate reduction

Waivers

Surrender Window

At the end of your guarantee period, you will have the option to renew your annuity for another guarantee period. We will contact you and provide a 30-day window to select a new guaranteed interest rate. During your 30-day window you can surrender your annuity for cash with no surrender charges or market value adjustment.

Company Founded: 1925
Good Rated Company
Atlantic Coast Life Insurance Company
Company Ratings
4.2
  • A.M. Best B++
Assets: $1,025,343,989
South Carolina

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