Market Participation with a 10% Premium Bonus

One of the standout features of the APP annuity is the 10% premium bonus—applied directly to the accumulation value at contract issue. This immediate boost enhances growth potential and can significantly improve retirement income when the time comes.

The annuity also grows tax-deferred, allowing your interest to compound more effectively over time compared to taxable accounts.

If you’d like to see how the Accumulation Protector Plus compares to other high-bonus annuities, complete our annuity quote request form and we’ll send a side-by-side analysis based on your needs.

Index Crediting Strategies with Built-In Protection

This product offers a diverse lineup of index crediting options, including:

• Momentum Index – Designed to capture upward market trends while minimizing drawdowns

• CS ESG Macro 5 Index – Focused on global macroeconomic factors and ESG-driven investments

• S&P 500® Index (excluding dividends) – A time-tested, broad-market option

These strategies offer growth potential tied to market performance—but with zero risk to your principal, even in down years.

Flexible Withdrawals and Health-Based Access

The Accumulation Protector Plus includes:

• 10% annual penalty-free withdrawals after year one

• Nursing Home Waiver and Terminal Illness Waiver, which allow early access in qualifying situations without surrender charges

These features help preserve your income flexibility while still benefiting from long-term accumulation.

Estate Planning Made Simple

When the contract owner passes away, the full accumulation value is paid to beneficiaries—without surrender charges. This ensures a seamless and tax-efficient transfer of remaining value, keeping your legacy intact.

Who This Annuity May Be a Good Fit For

The Atlantic Coast Life Accumulation Protector Plus Annuity is ideal for:

• Individuals who want market-linked growth with a guaranteed premium bonus

• Pre-retirees seeking tax-deferred accumulation with long-term stability

• Clients who want access to modern index options beyond the S&P 500

• Retirees looking for flexible withdrawal options and built-in health waivers

• People preparing to leave a legacy while protecting their savings from market volatility

It’s especially well-suited for rollovers, 401(k) transfers, and repositioning cash savings into a growth-oriented, risk-protected solution.