Key Features of the APP Annuity

Your clients has access to more benefits then ever before

Benefits of having the

Accumulation Protector Plus^SM Annuity

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5.00% Premium Bonus

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Choose from Eleven Growth Strategies

Flexibility to choose how the 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.

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CS Momentum Index

The CS Momentum Index is a rules-based global multi-asset index that implements a unique and flexible momentum-driven strategy. CS offers outstanding Interest crediting Opportunities

A 50/50 Split between the CS 1-Year and 2-Year Participation Rate Interest Rate Crediting Options, without the selection of the Rate Enhancement Rider, results in the following illustrated Historical Returns:
- Most Recent 10 years: 6.29% (Geometric Mean Annual Effective Rate)
- Most Favorable 10 years: 9.05% (Geometric Mean Annual Effective Rate)
- Least Favorable 10 years: 6.16% (Geometric Mean Annual Effective Rate)
A 50/50 Split between the CS 1-Year and 2-Year Participation Rate Interest Rate Crediting Options, with the selection of the Rate Enhancement Rider, results in the following illustrated Historical Returns:
- Most Recent 10 years: 8.48% (Geometric Mean Annual Effective Rate)
- Most Favorable 10 years: 12.16% (Geometric Mean Annual Effective Rate)
- Least Favorable 10 years: 8.83% (Geometric Mean Annual Effective Rate)
The CS Momentum Index One-year point-to-point with Participation Rate crediting strategy offers consistent interest rate crediting and a likelihood of crediting positive interest. In fact, the CS Momentum Index One-year point-to-point with Participation Rate crediting strategy option historically shows you can earn positive annual returns on 96% of possible deposit dates.* That means a lot more comfortable conversations at annual review time with your clients.

No worries on renewal Rates: 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.

*Based on simulated historical performance.

Illustrations as of June 21, 2022

Optional Rate Enhancement Rider

Clients choose between the Optional Rate Enhancement Rider OR NO Rider Versions:

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Rate Enhancement Rider

The Rate Enhancement Rider is an optional rider available to be added to the contract at the time of application. Rider Benefits are:

Better Interest Rate Options: This rider provides higher Caps, Interest Rates, and Participation Rates to the applicable Fixed Account and Index Accounts than those Caps, Interest Rates, and Participation Rates of the annuity without the rider
Additional Liquidity: After the first Contract Year, this rider provides a 5% increase to the Penalty Fee withdrawal amount for a total of 10% of the Account Value.
Pricing Guarantee: The Accumulation Protector Plus℠ 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.

*110% Return of Premium (ROP) Guarantee is offered if the Rate Enhancement Rider is purchased and the contract persists to year 10.

Choose From Eleven Growth Strategies

Your client has the flexibility to choose how their 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 client’s life and needs are ever-evolving, and that is why they can adjust their allocations on the policy anniversary coinciding with the end of each strategy’s crediting period.

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, a 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 policy anniversary, comparing it to the value of the index either a year earlier, two years earlier, or three years earlier, depending on the option chosen.