Retirement Plus Multiplier® (RPM) Annuity Highlights:
5-, 7-, & 10-Year Durations
7.00%, 7.50%, 8.00% Compensation*1
Inherited IRA Compatible
5.00% Fixed Interest Rate**
11.5% 1-year S&P 500® Point-to-Point Cap Rate Index Strategy**
50% 1-year S&P 500® Point-to-Point Participation Rate Index Strategy**
*All product recommendations must be prioritized in the consumer’s best interest. **Rates as of 1/1/2024 .
What Phase is Your Client In:
Whether your client is currently accumulating their wealth, preparing for retirement, or in retirement, RPM may be a helpful addition to their retirement strategy.
Prepare RPM offers attractive interest rates to help clients accumulate more value while preparing for retirement.
Protect RPM's 0% floor3 helps clients protect their hard-earned assets.
Enjoy RPM allows clients to take advantage of the upside and protect against the downside related to market volatility.
Help Clients Chart a Course for Retirement with RPM's newest piece
Help guide your clients to clarity and confidence for their retirement journey with our newest tool.
This comprehensive piece helps identify and navigate key retirement planning challenges and decisions.
For agent use only and not intended for distribution to clients. ACLRPM-OT 773
1As of January 1, 2024, all agents licensed in or selling products in the states of Alabama, Arizona, Arkansas, Colorado, Delaware, Florida, Georgia, Hawaii, Illinois, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Mississippi, Montana, Nebraska, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Texas, Virginia, Washington, West Virginia, and Wyoming must follow the regulations of those states as seen here. Commission rates are MGA street level for owners of issue age 0-75. All product recommendations must be prioritized by the consumer’s best interest.
2Drawing held during or after webinar. One attendee selected per webinar and gift card awarded after webinar.
3If Rider is purchased, principal will not decrease due to market performance but could decrease due to the rider fee.
ANNUITY GUARANTEES RELY ON THE FINANCIAL STRENGTH AND CLAIMS-PAYING ABILITY OF ATLANTIC COAST LIFE INSURANCE COMPANY. ISSUED BY ATLANTIC COAST LIFE INSURANCE COMPANY.
All product recommendations must be prioritized by the consumer’s best interest.
The Fixed Interest Rate is guaranteed for the first Contract Year and the carrier declares a Minimum Guaranteed Rate for each issue year that the Fixed Rate cannot fall below for the life of the contract. The minimum guaranteed rate for contracts issued in 2024 is 3.00%.
Retirement Plus Multiplier® Annuity’s crediting strategies are tied to a corresponding index and are not direct investments in the market. Crediting strategies can offer potential growth based on the underlying index performance, not market performance.
Riders and features are not available in all states and are subject to change without notice. See annuity contract, agent field guide, rate sheet, and statement of understanding for additional details. See the annuity Contract for all final terms and conditions. All forms are available on the agent portal at acl.admin-portal.org.
The “S&P 500®” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Atlantic Coast Life Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Atlantic Coast Life Insurance Company. Retirement Plus Multiplier® is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500®.
The Goldman Sachs Aging of America Dynamic Balance Index (the “Index”) is a Goldman Sachs owned index. This fixed indexed annuity is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. LLC or any of its affiliates with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively, “Goldman Sachs”). Goldman Sachs makes no representation or warranty, express or implied, regarding the suitability of annuities for your financial situation generally, or fixed indexed annuities or the investment strategy underlying this fixed indexed annuity particularly, the ability of the Goldman Sachs Aging of America Dynamic Balance Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Aging of America Dynamic Balance Index or the suitability of purchasing or holding interests in this fixed indexed annuity. Goldman Sachs does not have any obligation to take the needs of the holders of this fixed indexed annuity into consideration in determining, composing or calculating the Goldman Sachs Aging of America Dynamic Balance Index.
GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE GOLDMAN SACHS AGING OF AMERICA DYNAMIC BALANCE INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS FIXED INDEXED ANNUITY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.
