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fixed annuities

Multi-Year Guarantee Annuity Details

Product Name

Safe Harbor 10

Annuity Type

Multi-Year Guarantee Annuity

Issuing Insurance Company and Ratings

(5th of 15 ratings)
Not Rated
Not Rated
Not Rated
Not Ranked

Product Information

The Safe Harbor 10 is a deferred multi-year guarantee annuity issued by Atlantic Coast Life Insurance Company.

The current 10 year guarantee period annual yield is 5.45% (see Rate Details below). This is the guaranteed annual yield, including bonuses if applicable, for the initial guarantee period term, up to the first penalty free full withdrawal window. The Safe Harbor 10 has a full penalty free withdrawal window after 10 years.

Details on additional penalty waivers can be found in the Penalty Free Withdrawal Provisions section below.

Atlantic Coast Life Insurance Company is rated “B++” by A.M. Best, was founded in 1925, and has over $693 million in total assets.

Rate Details

Premium Amount: $5,000 - $1,000,000

10 Year Guarantee Period Annual Yield: 5.45%
Simple interest rate start of year 1 through end of year 1: 7.90%
Simple interest rate start of year 2 through end of year 10: 6.90%

Initial Surrender Charge and MVA Periods

10 years

10 years

10 years

State variations may exist, refer to product disclosure for details.

Other Guarantee Periods Available

Policy Details

Penalty Free Withdrawal Provisions


See product brochure, disclosure and riders for additional details, limitations and availability. State variations, age restrictions and holding periods may apply.

State Variations

Not available in:  AK, CA, CT, DE, DC, FL, ID, ME, MI, MN, NH, NJ, NY, PA, WA and WI (as of 01/11/2023)

For OR: Surrender Charge Schedule is reduced to 8 years on all issue ages.

For AZ, TX and UT: Surrender Charge Schedule is reduced to 8 years on issue ages 60+.


Death Benefit: If the optional Death Benefit Feature is not selected the Death Benefit is equal to the Cash Surrender Value in a lump sum, or the Full Account Value in annual payments over a 5-year period. If owner’s spouse is named as the sole, primary beneficiary they may elect to become the owner of the contract and continue it for the remainder of the term.

Base contract provides zero liquidity. The following optional rider is available to increase liquidity, but will reduce the annual interest rate credited by percentage shown:
Death Benefit Feature – 0.25%

Owner’s issue age 86-90 are required to purchase Death Benefit Feature.