SAFE HARBOR
Safe Harbor Rates
Effective 04/01/2025
| All Other | FL | |
|---|---|---|
| 3 Year (Rate) | Year 1: 6.35% Year 2+: 5.35% Effective** Compound Level Rate: 5.39% | Year 1: 6.25% Year 2+: 5.25% Effective** Compound Level Rate: 5.30% |
| 5 Year (Rate) | Year 1: 7.00% Year 2+: 6.00% Effective** Compound Level Rate: 5.55% | Year 1: 6.95% Year 2+: 5.95% Effective** Compound Level Rate: 5.51% |
| 6 Year (Rate) | Year 1: 7.20% Year 2+: 6.20% Effective** Compound Level Rate: 5.54% | Year 1: 7.15% Year 2+: 6.15% Effective** Compound Level Rate: 5.50% |
| 7 Year (Rate) | Year 1: 7.40% Year 2+: 6.40% Effective** Compound Level Rate: 5.53% | Year 1: 7.35% Year 2+: 6.35% Effective** Compound Level Rate: 5.50% |
| 10 Year (Rate) | Year 1: 8.05% Year 2+: 7.05% Effective** Compound Level Rate: 5.54% | Year 1: 7.80% Year 2+: 6.80% Effective**Compound Level Rate: 5.39% |
| 20 Year (Rate) | Years 1-5: 7.70% Years 6-10: 8.70% Years 11-15: 10.70% Years 16-20: 11.70% Effective** Compound Level Rate: 5.54% | Years 1-5: 7.30% Years 6-10: 8.30% Years 11-15: 10.30% Years 16-20: 11.30% Effective** Compound Level Rate: 5.39% |
| Optional Riders | Death Benefit Feature: 0.25% interest reduction | |
Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Products, features, and riders may not be available in all jurisdictions. Refer to the policy for all terms and conditions. All Guarantees are based on the claims-paying ability of Atlantic Coast Life Insurance Company.
*Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death Benefit Feature. Owner's issue age 86-90 for the three, five, six, seven and ten year guarentee period and owner's issue age 70-75 for the twenty year guarentee period are required to purchase Death Benefit Feature. Special introductory cap in the state of Florida.
**Rounded to the second decimal place
All Owners age 86-90 are required to purchase the Death Benefit Rider in all states except Florida
* All Florida contracts are required to issue with the Death Benefit Feature, which is priced into the rates. Nursing Home Rider/Terminal Illness Rider Not Available in Florida and Pennsylvania.
ATLANTIC COAST LIFE INSURANCE COMPANY IS A MEMBER OF THE A-CAP FAMILY