Fixed Indexed Annuity

Retirement Plus Multiplier Annuity

Name: Retirement Plus Multiplier Annuity
Brand: Atlantic Coast Life

Atlantic Coast Life

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5.95%

Best S&P 500 Annual Cap

10%

Free W/D

Available jurisdictions

Product data status: July 16, 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.

Model this product

See what Retirement Plus Multiplier Annuity would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer

Illustrative — live CANNEX rates as of July 16, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Surrender term

Crediting strategy

Compare against

$250,358

Est. value at age 80 (Retirement Plus Multiplier Annuity)

5.95%

Best S&P 500 1-yr point-to-point cap

S&P 500 Index — 5.95% Cap (Annual)

✦

How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →

Assumptions: illustrative — applies Retirement Plus Multiplier Annuity's published cap rate (5.95% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 16, 2026.

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See how Retirement Plus Multiplier Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.

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Live rate data

Run live numbers for Retirement Plus Multiplier Annuity

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Atlantic Coast Life product.

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual point-to-point cap

5.95% cap on S&P 500

A fixed indexed annuity from Atlantic Coast Life offered in multiple surrender-term variants, built around a recognizable S&P 500 annual point-to-point cap plus a proprietary Aging of America Index in multiple participation cadences, with an optional Buy-Up Rider that lifts crediting rates in exchange for a published rate-enhancement fee and no lifetime-income rider attached in this feed.

1-year term5-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want to pick their own deferral commitment from multiple surrender-term variants on the same contract, value a recognizable S&P 500 annual point-to-point cap as their like-for-like comparison point alongside a higher-participation proprietary index, and are comfortable with a below-A-bracket carrier in exchange for the crediting menu this contract offers.

AM Best

B Fair

Surrender options

5, 7, and 10 years

Free withdrawal

10%/yr

Availability

41 jurisdictions (restricted footprint)

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 5-year surrender · Does not vary by premium

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

5.95% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 5-year surrender · Does not vary by premium

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

5.95% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

5.95% cap rate

Annual cap

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

28% participation rate

Participation

Selected state rate set (TX)

1-year term · 5-year surrender · Does not vary by premium

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

1-year term · 5-year surrender · Does not vary by premium

1-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

28% participation rate

Participation

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

28% participation rate

Participation

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

2-year term · 5-year surrender · Does not vary by premium

2-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

53% participation rate

Participation

Selected state rate set (TX)

2-year term · 5-year surrender · Does not vary by premium

2-year term

5-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

2-year term · 7-year surrender · Does not vary by premium

2-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

53% participation rate

Participation

Selected state rate set (TX)

2-year term · 7-year surrender · Does not vary by premium

2-year term

7-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

38% participation rate

Participation

Selected state rate set (TX)

2-year term · 10-year surrender · Does not vary by premium

2-year term

10-year surrender

Does not vary by premium

S&P 500

S&P 500 Index

53% participation rate

Participation

Selected state rate set (TX)

2-year term · 10-year surrender · Does not vary by premium

2-year term

10-year surrender

Does not vary by premium

Fixed Account

3% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 5-year surrender · Does not vary by premium

1-year term

5-year surrender

Does not vary by premium

Fixed Account

3% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 7-year surrender · Does not vary by premium

1-year term

7-year surrender

Does not vary by premium

Fixed Account

3% declared rate

Fixed account

Selected state rate set (TX)

1-year term · 10-year surrender · Does not vary by premium

1-year term

10-year surrender

Does not vary by premium

+ 18 additional crediting options (Aging of...)

Lifetime Income Riders

Income rider

Income Multiplier Benefit

Lifetime payout rate4.7% lifetime payout

Annual rider fee0.95% annual rider fee

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 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 contract is filed in multiple surrender-period options, so a buyer can choose deferral commitment up front rather than being locked into a single window, and crediting rates step up materially as the surrender term lengthens.
Index menu pairs the S&P 500 with the proprietary Aging of America Index across multiple participation-rate windows — a buyer who wants longer crediting cadences on the same index gets meaningfully higher participation as the term lengthens inside the same contract.
Free-withdrawal allowance, the full year-by-year surrender ladder, the market-value-adjustment flag, and the nursing-home, terminal-illness, and RMD waivers are all visible directly on this page rather than gated behind a sales brochure.

What to confirm

This contract is positioned for accumulation in the live feed. It shows no lifetime-income rider or built-in Protected Income Value feature — the only attached rider is a Growth Benefit: Accumulation Buy-Up Rider that enhances crediting rates rather than guaranteeing a lifetime withdrawal. Carrier marketing literature for this family describes a separately purchased income rider, but it does not appear in this product's live data; if income is the goal, confirm rider availability and pricing directly with the carrier before assuming this contract can deliver a guaranteed lifetime withdrawal.
The contract publishes two S&P 500 annual point-to-point caps on the same index and cadence: a base cap with no rider fee, and a higher 'Buy-Up' cap that carries a separately-deducted rate-enhancement rider fee. The higher cap is not directly comparable to the no-fee cap on the same index and term — read the rider fee column before reading the cap number.
The Aging of America Index is a proprietary index whose participation rates can look high in absolute terms — materially above the S&P 500 participation on the same contract, especially on the longer crediting cadences — but are not directly comparable to an S&P 500 cap and have a shorter live-track history than the S&P 500 itself; evaluate it on its own merits rather than headline number alone.
Surrender lockup on the default filing runs the full filing term with a market-value adjustment on amounts above the free-withdrawal allowance, and the standard death benefit pays cash surrender value rather than account value or a rolled-up income base — the shorter-surrender variants fund materially lower crediting rates than the longest on the same strategies. The carrier's A.M. Best rating sits below the A-bracket, and the 'Multiplier' branding in the product name refers to the Buy-Up Rider boosting crediting rates, not to any income multiplier in this live data.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider (no income rider is attached in this feed), require an A-bracket or higher carrier strength view, want short-surrender liquidity inside the chosen surrender term, or expect the higher 'Buy-Up' cap on the S&P 500 strategy to be free — that variant carries a separately-deducted rate-enhancement rider fee that must be read alongside the cap number.

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See how Retirement Plus Multiplier Annuity compares for your age, state, premium, and income goals alongside other Atlantic Coast Life fixed indexed annuity options.

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All crediting strategies

View rate listings (63 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 150% · 1-yr

Aging of America Index

participation