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Fixed Indexed Annuity

Accumulation Protector Plus Annuity

Atlantic Coast Life

5.95%

Best Cap

5%

Free W/D

41

Jurisdictions

Product data status: May 29, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual point-to-point cap rate

5.95% cap on S&P 500

An accumulation-focused fixed indexed annuity from Atlantic Coast Life, built around a recognizable S&P 500 annual point-to-point cap on the base tier plus participation-rate strategies on proprietary CS Momentum and CS ESG Macro 5 indexes, with a premium bonus, a Return of Premium Guarantee, and an optional Rate Enhancement Rider that lifts every rate in exchange for a published rider fee — and no lifetime-income rider in the design.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing to a long deferral who want a recognizable S&P 500 cap as their like-for-like comparison line, value a premium bonus and a Return of Premium Guarantee to hedge the lockup, are comfortable choosing between a base tier and a Rate Enhancement Rider tier on the same index menu, and accept a below-A-bracket carrier in exchange for the rate menu and bonus this filing publishes.

AM Best

B Fair

Surrender period

10 years

Free withdrawal

5%/yr

Availability

41 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.95% cap rate

S&P 500

S&P 500 Index

38% participation rate

S&P 500

S&P 500 Index

58% participation rate

Fixed Account

Fixed Account

3.95% declared rate

+ 7 volatility-controlled index options (CS Momentum, CS ESG...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Crediting menu includes a recognizable S&P 500 annual point-to-point cap on the base tier with no rider fee, so this contract offers at least one clean like-for-like comparison line against other FIAs on this site rather than only proprietary participation-rate strategies.
  • The same index menu is published on parallel tiers — a base tier and a Rate Enhancement Rider tier that lifts every rate in exchange for a published rider fee — so a buyer can choose the tier explicitly rather than having the trade-off hidden inside a single set of headline numbers.
  • Participation-rate strategies on the proprietary CS Momentum and CS ESG Macro 5 indexes are offered in multiple crediting windows on the same contract, with progressively higher participation as the window lengthens — a buyer willing to lock crediting longer is rewarded inside the same filing.
  • A premium bonus credited at issue alongside a Return of Premium Guarantee rider hedges the long-surrender commitment for a buyer who may need to walk away from the contract before crediting has compounded.

What to confirm

  • This is an accumulation-focused fixed indexed annuity. There is no optional lifetime-income rider attached in this data and no built-in Protected Income Value chassis — do not buy this contract for a guaranteed lifetime withdrawal; its job is index-linked growth, not income.
  • The S&P 500 annual point-to-point cap is published across parallel tiers on the same index and cadence: a base tier with no rider fee, and a Rate Enhancement Rider tier with a published current-scope rider fee that lifts the cap. The higher cap on the rider tier is not a like-for-like number — read the rider fee column before reading the cap.
  • The premium bonus is credited on a multi-year graded vesting schedule with nothing credited in the first year, so the bonus is not money in a buyer's pocket on day one — it earns out across the surrender period, and a buyer who exits early forfeits the unvested portion on top of the surrender charge and market value adjustment.
  • Carrier financial-strength rating from A.M. Best sits below the A-bracket baseline that most national-brand FIAs carry, the surrender lockup runs the full filing term with a market value adjustment, and the standard death benefit pays cash surrender value rather than account value or a rolled-up income base — weigh carrier strength, lockup length, and legacy mechanics together before committing.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, want a plain MYGA-style declared rate, require an account-value-based death benefit, demand a name-brand A-bracket carrier, need short-surrender liquidity inside the lockup window, or live in a state where this filing is not offered.

All crediting strategies

View rate listings (22 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 100% + Fixed: 11% · 1-yr

CS Momentum Index

trigger

10-yr surrender

Par: 38% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 5.95% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3.95% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 385% · 10-yr

CS Momentum Index

participation

10-yr surrender

Par: 385% · 10-yr

CS ESG Macro 5 Index

participation

10-yr surrender

Par: 260% · 10-yr

CS Momentum Index

participation

10-yr surrender

Par: 260% · 10-yr

CS ESG Macro 5 Index

participation

10-yr surrender

Par: 58% · 2-yr

S&P 500 Index

participation

10-yr surrender

Par: 550% · 3-yr

CS Momentum Index

participation

10-yr surrender

Par: 550% · 3-yr

CS ESG Macro 5 Index

participation

10-yr surrender

Par: 100% + Fixed: 11% · 1-yr

CS Momentum Index

Par: 38% · 1-yr

S&P 500 Index

Cap: 5.95% · 1-yr

S&P 500 Index

Fixed: 3.95% · 1-yr

Fixed Account

Par: 385% · 10-yr

CS Momentum Index

Par: 385% · 10-yr

CS ESG Macro 5 Index

Par: 260% · 10-yr

CS Momentum Index

Par: 260% · 10-yr

CS ESG Macro 5 Index

Par: 58% · 2-yr

S&P 500 Index

Par: 550% · 3-yr

CS Momentum Index

Par: 550% · 3-yr

CS ESG Macro 5 Index

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Key Features

Free withdrawal

5%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Premium bonus

5%

Bonus terms can vary by state, premium band, and rider election.

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.40%

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

10%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Sentinel Security Life - Accumulation Protector Plus Annuity brochure.pdf

Confidence: highReviewed Apr 9, 2026

Direct link not published — request the document from the carrier.

brochure

ACL-APP-Brochure-OT-080825-5_compressed.pdf

Confidence: highReviewed Apr 6, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestB

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Accumulation Protector Plus Annuity currently shows 11 distinct indexed or fixed crediting choices across 22 current rate listings, including S&P 500 Index and Fixed Account, with 7 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 5.95% cap
  • S&P 500 Index: 38% participation
  • S&P 500 Index: 58% participation

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 5%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Sentinel Security Life - Accumulation Protector Plus Annuity brochure.pdf and ACL-APP-Brochure-OT-080825-5_compressed.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

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