Key Features
The participation rates of the CS Momentum Index and CS ESG Macro 5 Index 1- and 2-year point-to-point strategies are guaranteed for 10 years from the annuity issue date and are available for 10 years regardless of how much is allocated to those strategies at issue. * 10 Year Guarantees When you purchase the Accumulation Protector Plus SM Annuity you will receive a one-time premium bonus of 10%. The premium bonus is immediately credited to your account, increasing the value of your account and giving you the opportunity to earn additional interest. Your funds can be accessed subject to your vesting schedule. 10% Premium Bonus
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Vesting
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You have the flexibility to choose how your single premium is allocated across eleven crediting strategies. These crediting strategies include a Fixed Account and ten Indexed Accounts linked to three indices, the CS Momentum Index , the CS ESG Macro 5 Index , and the S&P 500 ® Index . We know that your life and needs are ever evolving, and that is why you can adjust your allocations on the contract anniversary coinciding with the end of each strategy’s crediting period. At that time, you may allocate to any available strategy for a new crediting period of one, two or three years. Flexible Crediting Strategies Speaking of performance you can count on, the premium allocated to the Fixed Rate Account will earn daily interest at a specified rate, which is guaranteed for the ensuing contract year. You will receive this rate no matter how the market performs . Fixed Rate Option The APP annuity’s Trigger Rate may be a good alternative if you are considering Fixed Rate allocations. How does the Trigger Rate work? If the CS Momentum Index earns 0% or more then the premium allocated to the Trigger Rate account will earn interest at a specified rate . So the benefit to the Trigger Rate is that you receive a higher rate when compared to the fixed account as long as the CS Momentum Index breaks even or earns a positive return. Trigger Rate Option
Rate Enhancement Rider
The Rate Enhancement Rider is a great feature to consider if you want to take your accumulation power to the next level! First, this rider increases the amount available for free withdrawal from 5% to 10% of your annuity’s Account Value. Additionally, this rider gives you a better opportunity to earn more interest as it increases the Fixed, Participation, and Cap rates across your annuity’s crediting strategies. Increasing the Participation and Cap Rates offers potential to substantially benefit from the index’s upside, because your premium has access to a larger percentage of an index’s growth. There is a fee with the purchase of the rider. The Accumulation Protector Plus SM Annuity offers a 110% Return of Premium (ROP) Guarantee if the Rate Enhancement Rider is purchased and the contract persists to year 10. The premium is adjusted for withdrawals. Pricing Guarantee
*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.
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ACLAPPBR-OT 092223
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