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fixed annuities

Multi-Year Guarantee Annuity Details

Product Name

Safe Haven 3

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 Haven 3 is a deferred multi-year guarantee annuity issued by Atlantic Coast Life Insurance Company.

The current 3 year guarantee period annual yield is 5.90% (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 Haven 3 has a full penalty free withdrawal window after 3 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

3 Year Guarantee Period Annual Yield: 5.90%
Interest rate start of year 1 through end of year 1: 6.57%
Interest rate start of year 2 through end of year 3: 5.57%

Initial Surrender Charge and MVA Periods

3 years

3 years

3 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, DC, FL, ID, ME, MI, MN, NH, NJ, NY, PA, WA and WI (as of 01/11/2023)


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 riders are available to increase liquidity, but will reduce the annual interest rate credited by percentages shown:
Accumulated Interest Withdrawal – 0.05%
Preferred 10% Free Withdrawal – 0.15%
Death Benefit Feature – 0.25%

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