Choose from Eleven Growth Strategies 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 Account s 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. The crediting periods for the Accumulation Protector Plus SM Annuity’s crediting strategies range from one, two, or three years. The crediting strategies include a Fixed Rate account , Trigger Rate account , and several Point-to-Point with Participation Rate or Cap Rate accounts . A Point-to-Point strategy measures the difference in the index’s value on each contract anniversary, comparing it to the value of the index either a year earlier, two years earlier, or three years earlier, depending on the option you choose.
CREDITING STRATEGY OPTIONS One-year point-to-point crediting period with Participation Rate
DESCRIPTION
You can allocate to three different CS Momentum Indexed accounts with a Participation Rate. The Participation Rate allows you to access a percentage of the index’s growth for a specific crediting period. With the Participation Rate, if the index does not perform positively, your Account does not lose value. 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.*
CS Momentum
Two-year point-to-point crediting period with Participation Rate Three-year point-to-point crediting period with Participation Rate
Indexed Accounts
You can also allocate to a CS Momentum Indexed account with a Trigger Rate. The premium allocated to the Trigger Rate Account will earn interest at a specified rate if the market performs positively or breaks-even. If the index does not perform positively, your Account does not lose value.
One-year crediting period with Trigger Rate
One-year point-to-point crediting period with Participation Rate
You can allocate to three different CS ESG Macro 5 Indexed accounts with a Participation Rate. The Participation Rate allows you to access a percentage of the index’s growth for a specific crediting period. With the Participation Rate, if the index does not perform positively, your Account does not lose value. 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.** Allocate to a S&P 500 ® Indexed account with a Participation Rate, Cap Rate, or combination of the two. The Participation Rate allows you to access a percentage of the index’s growth for the crediting period. The Cap Rate has a set maximum amount of interest that can be credited at the end of the crediting period. • If the index value increases but the growth is less than the Cap Rate, your credited interest is the same as the index’s percentage increase. • If the index value increases and the growth is greater than the Cap Rate, your credited interest is the same as the Cap Rate. With both the Participation Rate and Cap Rate, if the index does not perform positively, your Account does not lose value. 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.
CS ESG Macro 5 Indexed Accounts
Two-year point-to-point crediting period with Participation Rate
Three-year point-to-point crediting period with Participation Rate One-year point-to-point crediting period with Participation Rate
S&P 500 ® Indexed Accounts
One-year point-to-point crediting period with Cap Rate
Two-year point-to-point crediting period with Participation Rate
Fixed Rate Account
One-year crediting period with a Fixed Interest Rate
*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. 4 ACLAPPBR-OT 092223
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