Safe Harbor (State Variation) ages 60+
The Safe Harbor Bonus Guarantee annuity from Atlantic Coast Life Insurance is a must-have retirement plan. Its flexibility makes it accessible for anyone aged 60 and up, with a straightforward, customizable structure that’s not cluttered with unnecessary features. You choose the duration, select the add-ons you want, and enjoy a better interest rate and larger payout.
What sets Safe Harbor apart is its secure, tax-deferred growth. The interest rates are fixed, so your hard-earned money increases steadily, unaffected by market fluctuations. The annuity comes with diverse income options, including the annuitization feature for a really practical income stream. And at the end of your contract, you can renew or withdraw without worries about charges or adjustments. Safe, flexible, and user-focused—the Safe Harbor Bonus Guarantee annuity is perfect for a stress-free retirement.
Safe Harbor (State Variation) ages 60+
About Product
MYGA Interest Rates
| Term |
Rate
Annual percentage yield (APY)
earned over the investment term |
|---|---|
| 3 years | 4.43% |
| 5 years | 4.65% |
| 6 years | 4.52% |
| 7 years | 4.53% |
| 10 years | 4.34% |
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)
Market Value ADjustment (MVA)
The MVA expires at the end of each Guarantee Period and reinstates if you select a new Guarantee Period.
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Death Benefit Feature | No | 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.
- A.M. Best B++
