Atlantic Coast Life Accumulation Protector PlusSM (APP) Annuity
Product Overview
Why Atlantic Coast Life Accumulation Protector PlusSM (APP) Annuity
Launched in 2020, the Accumulation Protector PlusSM (APP) Annuity is a fixed indexed annuity built to deliver in all market conditions. Whether your client is looking for accumulation, protection, stability, or performance, the APP annuity has a total-package of enhanced features and benefits, and a proven track record of performance and reliability that sets it apart from the competition.
Product Highlight
- Guaranteed participation rates for 10 years.1
- NEW 10% Premium Bonus.2
- NEW 10% Cap Rate on the S&P 500® 1 Year Point-to-Point (12.25% with rider).
- 4.75% Fixed Rate.
- Trigger Rate strategy that credits 9% when the index breaks-even or performs positively.
- Exclusive access to the CS Momentum Index and the CS ESG Macro 5 Index.
- Optional Rate Enhancement Rider, which gives higher Participation, Cap, Trigger, and Fixed Rates, and increases the free withdrawal amount to 10% (after the first contract year).
- Eleven flexible crediting strategies to choose from for accumulation needs.
- Consistent Rate History with rates steadily increasing since launch across all strategy options.
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Interest Rates as of 9/25/23. Atlantic Coast life Insurance Company is a member of the A-CAP Family. Guarantees rely on the financial strength and claims-paying ability of Atlantic Coast life Insurance Company independently. Neither Company offers legal or tax advice. Rates are subject to change. Products, Riders and features are not available in all states and are subject to change without notice. See annuity contract, agent field guide, rate sheet, and statement of understanding for all terms and conditions. Fixed Index Single Premium Deferred Annuity Contract with Premium Bonus; ICC19-SSLACCFIAPOL; ICC19-ACLACCFIAPOL; or state variation thereof. Jurisdiction and product limitations or restrictions may apply. Informational purposes only. This communication does not constitute a company warranty.
1 The Participation Rates for the CS Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast life Insurance Company continues to have access to the CS Momentum Index. The Participation Rates for the CS ESG Macro 5 Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast life Insurance Company continues to have access to the CS ESG Macro 5 Index.
2 Funds can be accessed subject to a vesting schedule.
A.M. Best B++ (Good) with Stable Outlook as of August 2023.
The “S&P 500®” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Atlantic Coast life Insurance Company. Standard & Poor’s® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Atlantic Coast life Insurance Company. Accumulation Protector PlusSM Annuity is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P®, or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500®.
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