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Fixed Indexed Annuity

Retirement Plus Multiplier Annuity

Atlantic Coast Life

5%

Best Cap

10%

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

5% 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 termAdvisorWorld + 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 filing offers.

AM Best

B Fair

Surrender period

10 years

Free withdrawal

10%/yr

Availability

41 jurisdictions

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5% cap rate

S&P 500

S&P 500 Index

28% participation rate

S&P 500

S&P 500 Index

38% participation rate

Fixed Account

Fixed Account

3% declared rate

+ 3 volatility-controlled index options (Aging of...)

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. The feed lists no lifetime-income rider attached (incomeRiders is empty) and no built-in Protected Income Value chassis — 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-purchasable 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.

All crediting strategies

View rate listings (14 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: 150% · 1-yr

Aging of America Index

participation

10-yr surrender

Par: 28% · 1-yr

S&P 500 Index

participation

10-yr surrender

Cap: 5% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 200% · 2-yr

Aging of America Index

participation

10-yr surrender

Par: 38% · 2-yr

S&P 500 Index

participation

10-yr surrender

Par: 250% · 3-yr

Aging of America Index

participation

10-yr surrender

Par: 150% · 1-yr

Aging of America Index

Par: 28% · 1-yr

S&P 500 Index

Cap: 5% · 1-yr

S&P 500 Index

Fixed: 3% · 1-yr

Fixed Account

Par: 200% · 2-yr

Aging of America Index

Par: 38% · 2-yr

S&P 500 Index

Par: 250% · 3-yr

Aging of America 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

10%/yr

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

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

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

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.40%

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, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

ACL-RPM-BR-OT-112024.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

Retirement Plus Multiplier Annuity currently shows 7 distinct indexed or fixed crediting choices across 14 current rate listings, including S&P 500 Index and Fixed Account, with 3 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% cap
  • S&P 500 Index: 28% participation
  • S&P 500 Index: 38% 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.

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

Verification note

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

Carrier materials such as ACL-RPM-BR-OT-112024.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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