It Is Time to Protect What You Have Worked So Hard to Build
Whether it is for retirement, legacy, or lifestyle, you have worked hard to earn a living and build your wealth. You have pushed through the daily grind for decades and have finally arrived at a new chapter in life. And while it may be time to start thinking about retirement income and protecting your wealth from unnecessary risk, it does not mean that your wealth needs to stop working for you. You deserve the best, and that means a retirement solution that can offer a total-package of leading accumulation benefits that you can trust and rely on. The Accumulation Protector Plus SM Annuity (APP) is a fixed indexed annuity designed to both accumulate wealth, and protect it against future market downturns. The APP annuity has a proven track record of performance and reliability that set it apart, and offers performance you can count on through its 10-year guarantees*, market leading rates, and flexible crediting strategies. With the Accumulation Protector Plus SM Annuity, you can let your money do the hard work for you, and have the peace-of-mind knowing that your wealth is protected for what you have in store. What is a Fixed Indexed Annuity? A Fixed Indexed Annuity is a tax-deferred, stable, financial option designed to grow your premium and protect it if the market drops. This product is typically accompanied with multiple crediting strategies that you can choose to participate in. These crediting strategies include at least one indexed account and may also include a Fixed Rate account, as seen with the Accumulation Protector Plus SM Annuity. When you select an indexing strategy, you are credited interest at the end of the crediting period in the event the index value grows. A Fixed Indexed Annuity offers access to more interest growth potential as the market performs positively. In addition to growth potential, a Fixed Indexed Annuity offers protection of principal in several different ways. You do not lose money, including interest earned during previous crediting periods, if the index value drops because your money is allocated to the annuity itself rather than directly to the index (or indices). Additionally, the indexed accounts typically offer a minimum guaranteed interest rate of at least 0%.
*The Participation Rates for the CS Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast Life Insurance Company continues to have access to the CS Momentum Index. The Participation Rates for the CS ESG Macro 5 Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast Life Insurance Company continues to have access to the CS ESG Macro 5 Index. 1 ACLAPPBR-OT 092223
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