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Fixed Indexed Annuity

Guaranteed Income Annuity

Atlantic Coast Life

10%

Free W/D

34

States

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.

No annual cap published

An accumulation fixed indexed annuity from Atlantic Coast Life with a premium bonus on a vesting tail that extends past the surrender term, a deliberately narrow crediting menu of a guaranteed fixed bucket plus a SOFR monthly-average participation rate, and no income rider or Protected Income Value attached despite the product name.

No qualifying annual cap on a recognizable indexAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers committing to the full deferral term who want a simple, narrow crediting menu rather than a long index list, value a premium bonus and are comfortable holding the contract through the multi-year vesting tail, accept a below-A-bracket carrier in exchange for those terms, and are funding the contract for growth rather than for a guaranteed lifetime withdrawal.

AM Best

B Fair

Surrender period

10 years

Free withdrawal

10%/yr

Availability

34 states

Featured crediting strategies

Index / strategyRate mechanics

Fixed Account

Fixed Account

3% declared rate

+ 1 volatility-controlled index option (United States)

Lifetime Income Riders

Income rider

Guaranteed Withdrawal Benefit Rider

RMD friendly
Lifetime payout rate4.8% lifetime payout
Annual rider fee1.25% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • A premium bonus is credited at issue with a multi-year vesting schedule — the bonus rate, the early-year vesting steps, and the year-by-year vesting pace are all visible in the bonus table on this page, so a buyer who plans to hold the contract through the full surrender term can see exactly how much of the bonus is captured at any planned exit point.
  • Liquidity terms are spelled out directly on this page rather than gated behind a brochure call — the free-withdrawal allowance, the full year-by-year surrender ladder, the market-value-adjustment flag, a nursing-home waiver, and a terminal-illness waiver are all visible up front.
  • The crediting menu is deliberately narrow — a fixed-rate bucket with a guarantee window and a SOFR-linked monthly-average participation strategy — so a buyer who finds long index menus confusing has a contract that is easy to read end to end, with the trade-off that there is no equity-index exposure on the menu.
  • Both single-life and joint-life annuitization options are available, and the contract is open to non-qualified, qualified, single, joint, trust, and corporate ownership, so the same chassis covers IRA, non-qualified, and entity money without forcing the buyer onto a different product.

What to confirm

  • This is an accumulation-focused fixed indexed annuity in spite of its product name. There is no optional lifetime-income rider attached in the live feed, no Protected Income Value built into the chassis, no income roll-up rate, and no income multiplier — do not buy this contract for a guaranteed lifetime withdrawal. Its name reads 'Guaranteed Income Annuity' but its job in this data is index-and-fixed accumulation across the surrender term, not income.
  • Neither strategy on the contract is an annual point-to-point cap on a recognizable equity index — there is no S&P 500 line, no Nasdaq line, and no proprietary equity index on the menu at all. The available strategies are a declared fixed rate and a participation rate calculated on a monthly average of the SOFR overnight financing index. The headline numbers a buyer reads here are not directly comparable to the annual S&P 500 caps published on most other FIAs on this site; read the calculation cadence and the index identity in the strategy table before lining any number up against another contract.
  • The premium bonus vests on a tail that extends past the surrender schedule. A buyer who surrenders during the surrender term loses both surrender charges and unvested bonus dollars on top of the market value adjustment; even a surrender at the end of the surrender ladder can still leave part of the bonus unvested under the published schedule.
  • The standard death benefit is a Legacy Benefit Rider that pays the cash-value figure with no step-up provision and no income-base roll-up, and the carrier's A.M. Best rating sits below the A-bracket threshold many carrier-strength filters default to — heirs receive what a buyer would receive on a non-penalty surrender, and no other independent agency rating is published on this product in the live feed.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, expect built-in income through a Protected Income Value chassis, want an annual point-to-point cap on the S&P 500 or any other equity index they can compare line-for-line against other FIAs, prefer a plain MYGA-style declared rate without participation-rate math, need short-surrender liquidity, require an account-value-based or rolled-up death benefit, or screen carriers at the A-bracket or above on A.M. Best — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (4 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.

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 55% · M

United States SOFR Secured Overnight Financing Rate

monthly_avg_participation

10-yr surrender

Fixed: 3% · 1-yr

Fixed Account

Par: 55% · M

United States SOFR Secured Overnight Financing Rate

Income riders

Income rider

Guaranteed Lifetime Withdrawal Benefit Rider

RMD friendly
Lifetime withdrawal rate4.8%
Annual rider fee1.25%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age40 — 85
Joint availabilityJoint life

GLWB

Key Features

Free withdrawal

10%/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

10%

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

Death benefit

Legacy Benefit Rider

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

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

Strategy guarantee

Minimum guaranteed participation: 10.00%

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

guaranteedincomeannuity_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

Guaranteed Income Annuity currently shows 2 distinct indexed or fixed crediting choices across 4 current rate listings, including Fixed Account, with 1 volatility-controlled index option 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.

  • Fixed Account: 3% fixed

Income rider language

What to look for before treating the rider as income

Guaranteed Lifetime Withdrawal Benefit Rider is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.8% withdrawal rate
  • 1.25% rider fee
  • RMD friendly
  • Joint life availability

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.

  • 10%/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 guaranteedincomeannuity_compressed.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 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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