Atlantic Coast Life Safe Haven Bonus Guarantee Annuity – First-Year Boost With Long-Term Stability
Fixed Growth With Flexible Access
At Diversified Insurance Brokers, we guide individuals toward annuity strategies that deliver guaranteed returns, income flexibility, and principal protection. The Safe Haven Bonus Guarantee Annuity, issued by Atlantic Coast Life Insurance Company, is a single premium-deferred annuity that combines stable interest accumulation with a generous first-year rate boost and a wide range of term options.
Whether you’re planning for future income or preserving wealth, this annuity provides a dependable solution designed to meet your long-term financial objectives.
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Guaranteed Growth With Bonus Interest
This annuity delivers fixed, market-free growth with an enhanced interest rate in the first contract year, helping to accelerate your retirement savings right from the start. After the bonus year, the base guaranteed rate continues to provide stability throughout your selected term.
Choose a Term That Fits Your Timeline
Safe Haven offers a wide range of contract durations—from 3 to 20 years—allowing you to customize the annuity to your specific planning horizon. Longer durations typically offer higher guaranteed rates, while shorter terms provide greater liquidity and flexibility.
Access Your Money When You Need It
You can withdraw 100% of accumulated interest at any time without penalty, providing consistent income or flexible access. This makes Safe Haven an excellent alternative to CDs for conservative savers who want better returns and more control.
Simple and Smooth Wealth Transfer
In the event of your passing, the probate-free death benefit ensures the full account value transfers directly to your named beneficiaries—avoiding delays, legal fees, and complications.
Who Should Consider Safe Haven Bonus Guarantee?
This annuity is a great fit for:
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Conservative investors seeking fixed interest with no market risk
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Pre-retirees who want a first-year bonus to enhance earnings
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Individuals who need custom contract lengths aligned with their goals
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Families looking for efficient legacy planning with simplified beneficiary payouts
📄 Click here to request your personalized annuity quote.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Atlantic Coast Life Safe Haven Bonus
What is Atlantic Coast Life Safe Haven Bonus?
Safe Haven Bonus is a fixed indexed annuity offered by Atlantic Coast Life that combines principal protection, potential index-linked growth, and a contract-level bonus applied under certain conditions. It is structured for investors who want growth potential without direct market risk.
How does the bonus feature work in Safe Haven Bonus?
The “bonus” is added to your contract’s account or benefit base either at issue or after a set waiting period, depending on the version of the product. The bonus may be subject to vesting or surrender-period requirements, so it’s important to review the contract terms carefully before applying.
How is interest credited under this annuity?
Interest is credited through fixed or indexed strategies tied to one or more market indexes. Depending on your selection, credited interest may use participation rates, caps, or spreads. Regardless of index performance, your principal and previously credited interest remain protected from market losses.
Are penalty-free withdrawals available?
Yes — Safe Haven Bonus typically allows limited penalty-free withdrawals each contract year, often a percentage of the account value. This aligns with our standard guidelines as described on our annuity free withdrawal rules page.
Can Safe Haven Bonus be used for retirement income?
While Safe Haven Bonus is primarily designed for accumulation, many clients use it as part of a broader retirement income strategy — either by converting accumulated value into a lifetime income solution or combining it with other guaranteed-income products. For context, see our guide on best retirement income annuity options.
What happens if I surrender the contract early?
If you withdraw more than the penalty-free allowance during the surrender period or surrender the contract entirely, surrender charges or market-value adjustments may apply. Additionally, any bonus credited may be subject to forfeiture depending on the vesting schedule and timing of withdrawal.
Who is Safe Haven Bonus best suited for?
Safe Haven Bonus is a good fit for conservative savers, pre-retirees, or retirees who want protection from market swings, tax-deferred growth, and the potential upside of index-linked crediting — as long as they are comfortable with surrender-period commitments and possible liquidity constraints.
How do I compare Safe Haven Bonus with other annuities?
To compare, evaluate crediting strategies (caps, participation rates, spreads), bonus terms and vesting schedule, surrender-period length, withdrawal flexibility, and long-term performance scenarios. Our current annuity rates page is a helpful starting point for side-by-side comparison of leading annuity offerings.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
