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Fixed Indexed Annuity

Safe Anchor Market Guarantee

Atlantic Coast Life

4.1%

Best Cap

10%

Free W/D

36

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.

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

4.1% cap on S&P 500

An accumulation-focused fixed indexed annuity from Atlantic Coast Life built around an S&P 500 annual point-to-point cap plus monthly-average and monthly-sum cap variants on the same index and a fixed-rate strategy, with no income rider attached.

1-year termAdvisorWorld + CANNEX data

Best fit

Accumulation-focused buyers who want a recognizable S&P 500 cap alongside multiple S&P crediting cadences and a MYGA-style fixed-rate bucket inside the same contract, who do not need a contractually guaranteed lifetime withdrawal rate, and who have explicitly accepted a below-A-bracket A.M. Best carrier and the filing's surrender lockup with MVA as the price of the contract's crediting menu.

AM Best

B Fair

Surrender period

5 years

Free withdrawal

10%/yr

Availability

36 states

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.1% cap rate

S&P 500

S&P 500 Index

4.2% cap rate

S&P 500

S&P 500 Index

1.75% cap rate

Fixed Account

Fixed Account

3% declared rate

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, so a buyer gets at least one like-for-like comparison point against other FIAs on this site rather than only proprietary or volatility-controlled index strategies.
  • Multiple S&P 500 crediting cadences are offered on the same contract — an annual point-to-point cap, a monthly-average cap, and a monthly-sum cap — so a buyer who wants S&P 500 exposure has several distinct ways to take it inside one allocation.
  • A declared fixed-rate strategy is offered alongside the index strategies, giving a buyer a MYGA-style guaranteed-interest bucket inside the same contract for the share of premium they do not want exposed to index credits.
  • Free-withdrawal allowance, the full year-by-year surrender ladder, the market-value-adjustment flag, the nursing-home waiver, the terminal-illness waiver, and the RMD waiver are all visible directly on this page rather than gated behind a sales brochure.

What to confirm

  • Atlantic Coast Life carries an A.M. Best rating well below the A-bracket threshold many buyers and advisors use as a minimum. The carrier-strength view on this page is from a recognized agency, but a below-A-bracket carrier is a meaningfully different risk tier and should be evaluated explicitly before any allocation decision.
  • The default surrender configuration runs the full filing term with a market-value adjustment on amounts above the free-withdrawal allowance, and the early-year surrender charge starts in double digits. The MVA can magnify a surrender loss in a rising-rate environment — confirm with the carrier how the MVA is computed before any planned partial surrender.
  • The guaranteed minimum cap on this contract is published at a very low floor relative to the current cap, which means the carrier has wide contractual room to lower the renewal cap at each reset. The S&P 500 cap a buyer sees today is the current declared rate, not a multi-year guarantee — read the renewal language before assuming today's cap holds across the surrender term.
  • Several of the riders attached to this contract carry published fees, including a penalty-free-withdrawal rider and an RMD rider that are commonly free on competing FIAs, and the standard death benefit pays cash surrender value rather than account value or a rolled-up income base — confirm which riders are elected and at what fee before signing.

Not ideal for

Buyers who need a contractually guaranteed lifetime withdrawal rate from a GLWB rider, require an A-bracket or higher carrier as a minimum, want short-surrender liquidity, expect free penalty-free-withdrawal or RMD riders as the industry norm, or require an account-value-based death benefit — none of those are what this contract is built to deliver.

All crediting strategies

View rate listings (7 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.

Cap: 4.2% · 1-yr

S&P 500 Index

monthly_avg_cap

5-yr surrender

Cap: 4.1% · 1-yr

S&P 500 Index

cap

5-yr surrender

Cap: 1.75% · 1-yr

S&P 500 Index

monthly_sum_cap

5-yr surrender

Fixed: 3% · 5-yr

Fixed Account

fixed

5-yr surrender

Cap: 4.2% · 1-yr

S&P 500 Index

Cap: 4.1% · 1-yr

S&P 500 Index

Fixed: 3% · 5-yr

Fixed Account

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

Surrender waivers

3

Nursing home waiver, RMD waiver, Terminal illness waiver

Death benefit

Enhanced Death Benefit Option

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

Strategy guarantee

Minimum guaranteed cap: 0.25%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.40%

Strategy guarantee

Minimum guaranteed participation: 100.00%

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

8%

Yr 2

6.4%

Yr 3

4.8%

Yr 4

3.2%

Yr 5

1.6%

After

0%

Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

ACLANCHORBR-OT-111824.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

Safe Anchor Market Guarantee currently shows 4 distinct indexed or fixed crediting choices across 7 current rate listings, including S&P 500 Index and Fixed Account. 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: 4.1% cap
  • S&P 500 Index: 4.2% cap
  • S&P 500 Index: 1.75% cap

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
  • 5 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 ACLANCHORBR-OT-111824.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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