Atlantic Coast Safe Haven

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SAFE HAVEN BONUS GUARANTEE

COMPOUND INTEREST ANNUITY

FLORIDA

ATLANTIC COAST LIFE INSURANCE COMPANY

ACLANBRHAVEN-FL 010523

Explore, Dream, Discover

Atlantic Coast Life Insurance Company’s Safe Haven Bonus Guarantee annuity was designed for those who are retired or nearing retirement. Planning for retirement is not always easy and sometimes the control is not yours. Safe Haven Bonus Guarantee offers you a flexible and guaranteed way to have the security and peace of mind you need to enjoy retirement.

Build your own retirement plan

Safe Haven Bonus Guarantee gives you control over the duration of the annuity, which can be three, five, six, seven, ten or twenty years.

Our annuity also offers optional features you are able to select to customize your plan whereas most other annuities are loaded with features you don’t want or need, giving you a lower interest rate. With Safe Haven Bonus Guarantee, you pay only for the features you want, making your interest rate higher and your payout greater.

Safe Haven Bonus Guarantee

Future

The annuitant is a person named by the owner who will receive payments under the Maturity Benefit in the policy. In many cases the owner and the annuitant are the same person. Annuitant GUARANTEED INTEREST RATES Safe Haven Bonus Guarantee is a single premium-deferred annuity that earns a fixed rate of interest,allowing your money to grow on a tax-deferred basis. Our annuity offers multiple guarantee periods to align with your specific needs, and guarantees the interest rate for that entire guaranteed period. PROTECTION OF YOUR PRINCIPAL The entire amount you invest goes to work for you immediately, earning a guaranteed rate for the period you select, regardless of what happens to the stock market, or interest rates. As long as you hold your contract for the length of the guarantee period, your principal and the interest you earn are guaranteed by the issuer. INCOME OPTIONS At the end of your initial guarantee period, you can withdraw your funds without incurring surrender charges or market value adjustment, renew your contract into a new guarantee period, or even convert your annuity into a stream of retirement income payments guaranteed for up to 20 years.

ACLANBRHAVEN-FL 010523

Features & Benefits

INTEREST BONUS

INCOME

Safe Haven Bonus Guarantee can provide the important benefit of guaranteed income. Our annuity can provide you with a guaranteed income stream through the annuitization feature. You may select a period between 3 - 20 years, guaranteeing income for the specified amount of time. You elect to receive your payments monthly, quarterly, semi- annually or annually.

Safe Haven Bonus Guarantee offers an interest bonus in year 1 for the three, five, six, seven and ten year guarantee periods. This will help increase your account early on, which will increase the total interest earned on your annuity.

TAX-DEFERRED GROWTH

Tax deferral means that you do not pay any taxes on earnings or growth until you take withdrawals. Tax deferral delays, but does not eliminate, the taxation of your annuity. You will pay taxes on earnings when they are withdrawn. In the meantime, your account grows three ways. You earn interest on your deposit, interest on the interest previously credited and you earn interest on money that would have otherwise gone to pay taxes during the deferral period.

RENEWAL FEATURE

At the end of your guarantee period, you will have the option to renew your annuity for another guarantee period. We will contact you and provide a 30-day window to select a new guaranteed interest rate. During your 30-day window you can surrender your annuity for cash with no surrender charges or market value adjustment.

PROBATE AVOIDANCE

By designating a beneficiary other than your estate, your annuity’s death benefit will be paid directly to that beneficiary, thereby avoiding inclusion in a probated estate. This may minimize the delays, expenses and publicity often associated with the probate process.

Optional Riders*

PREFERRED 10% FREE WITHDRAWAL

If selected, this rider waives the Surrender Charges and MVA for the first withdrawal per year after the first contract year. The owner may withdraw up to the greater of 10% of the account value (as of the last contract anniversary date) or the required minimum distribution (RMD). Surrender charges and MVA may apply if the withdrawal exceeds the greater of 10% or the RMD or there are multiple withdrawals in that contract year.

ACCUMULATED INTEREST WITHDRAWAL

If selected, this rider waives the Surrender Charge and MVA associated with accumulated interest withdrawals. Accumulated interest may be withdrawn annually, semi-annually, quarterly or monthly. The withdrawal amount must be $100 or greater.

INCLUDED RIDER DEATH BENEFIT FEATURE**

This rider waives the Surrender Charges and MVA associated with a lump-sum payment in the case of the death of the Owner.

*Riders must be added at the time of application and cannot be added at a later date once the contract is issued. Once an optional rider is selected it may not be removed during the annuity contract. **Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death Benefit Feature.

ACLANBRHAVEN-FL 010523

Additional Information

You can start a Safe Haven Bonus Guarantee Annuity with $5,000 to $1,000,000 for qualified and non-qualified accounts. CONTRIBUTION LIMITS 0 to 90: 3, 5, 6, 7, and 10 year guarantee period. 0 to 50: 20 year guarantee period. ISSUE AGES

Interest rates are guaranteed for the period you elect at issue. GROWTH GUARANTEE

You will not pay taxes on your annuity interest income until you make a withdrawal. TAX-DEFERRED GROWTH

Safe Haven Bonus Guarantee Annuities are issued by Atlantic Coast Life Insurance Company. Annuity contracts, with their terms and limitations, as well as individual features are subject to state regulations and may not be available in all states. During renewal guarantee periods with issue ages under 60, surrender charges are 5% regardless of the guarantee period. Product specifications vary by state, consult your agent.

Withdrawals

SURRENDER CHARGES

A surrender charge applies to all withdrawals during a contract term unless a rider is selected. The surrender charge amount is a percentage of the amount withdrawn.

SURRENDER CHARGE SCHEDULE - ISSUE AGES UNDER 60

Guarantee Period

1234567891011-20

3-Year 4-Year 5-Year 6-Year 7-Year 8-Year 9-Year 10-Year 20-Year

9% 8% 7% -

- -

- - -

- - - -

- - - - -

- - - - - -

- - - - - - -

9% 8% 7% 6% -

9%8%7%6%5% -

9%8%7%6%5%5% -

9%8%7%6%5%5%5% -

9%8%7%6%5%5%5%5% -

9%8%7%6%5%5%5%5%5% -

9%8%7%6%5%5%5%5%5%5% - 9% 8% 7% 6% 5% 5% 5% 5% 5% 5% 5%

The MVA expires at the end of each Guarantee Period and reinstates if you select a new Guarantee Period. MARKET VALUE ADJUSTMENT (MVA)

ATTAINED AGE - ISSUE AGES UNDER 60

Attained Age

Surrender Charge

5% 4% 3% 2% 1% 0%

65 66 67 68

69-100

SURRENDER CHARGE SCHEDULE - ISSUE AGES 60+

Guarantee Period

12345678910

3-Year 4-Year 5-Year 6-Year 7-Year 8-Year 9-Year 10-Year

8% 7% 6% -

- -

- - -

- - - -

- - - - -

- - - - - -

8% 7% 6% 5% -

8%7%6%5%4% -

8%7%6%5%4%3% -

8%7%6%5%4%3%2% -

8%7%6%5%4%3%2%1% -

8%7%6%5%4%3%2%1%0% - 8% 7% 6% 5% 4% 3% 2% 1% 0% 0%

ACLANBRHAVEN-FL 010523

ATLANTIC COAST LIFE INSURANCE COMPANY

After over 90 years, you can be sure we have the experience to provide the right products that offer the most value and potential for you. We have also earned a reputation of integrity that speaks volumes about our commitment to our customers and the people who join our team. Founded in 1925, Atlantic Coast Life Insurance Company continues to be fiercely independent, and with a refreshing corporate identity that leads by example. “Solid Opportunities. Beacon of Integrity” Superlative Service Originating in the southeast, we continue to grow nationally while providing security, assurance and peace of mind. We listen to our customers and work hard as a team to provide friendly, professional and proven solutions to all of our clients. Products and Growth Atlantic Coast Life Insurance Company is a premier provider of Life Insurance, Pre-Need, Medicare Supplement, and Fixed Annuity products for families. Our products and services are offered through a growing network of funeral homes and financial professionals.

A.M. Best “B++” (Good) with Stable Outlook as of August 2022

ATLANTIC COAST LIFE INSURANCE COMPANY IS A MEMBER OF THE A-CAP FAMILY

ACLANBRHAVEN-FL 010523

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