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fixed annuities

Multi-Year Guarantee Annuity Details

Safe Harbor 6 (FL)

Product Name

Safe Harbor 6 (FL)

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 6 is a deferred multi-year guarantee annuity issued by Atlantic Coast Life Insurance Company.

The current 6 year guarantee period annual yield is 5.50% (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 6 has a full penalty free withdrawal window after 6 years.

This annuity also waives withdrawal penalties upon death. Your named beneficiary(ies) will receive a death benefit equal to the full accumulation value. A beneficiary may choose to receive their death benefit in either a lump sum or select an available annuitization option.

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

6 Year Guarantee Period Annual Yield: 5.50%
Simple interest rate start of year 1 through end of year 1: 7.15%
Simple interest rate start of year 2 through end of year 6: 6.15%

Initial Surrender Charge and MVA Periods

6 years

6 years

6 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

Available only in:  FL (as of 01/11/2023)


This annuity provides zero liquidity other than the included Death Benefit Feature.