Atlantic Coast Safe Harbor — 20-year fixed annuity at 5.90%
- Locks in 5.90% for 20 years
- Open with $5,000 to $1,000,000
Rates as of May 8, 2026
Projected balance
over 20 years
Compounded at 5.90% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $590 | $10,590 |
| 2 | $625 | $11,215 |
| 3 | $662 | $11,876 |
| 4 | $701 | $12,577 |
| 5 | $742 | $13,319 |
| 6 | $786 | $14,105 |
| 7 | $832 | $14,937 |
| 8 | $881 | $15,819 |
| 9 | $933 | $16,752 |
| 10 | $988 | $17,740 |
| 11 | $1,047 | $18,787 |
| 12 | $1,108 | $19,895 |
| 13 | $1,174 | $21,069 |
| 14 | $1,243 | $22,312 |
| 15 | $1,316 | $23,629 |
| 16 | $1,394 | $25,023 |
| 17 | $1,476 | $26,499 |
| 18 | $1,563 | $28,063 |
| 19 | $1,656 | $29,718 |
| 20 | $1,753 | $31,472 |
| Total earnings | $21,472 | $31,472 |
Free-withdrawal allowance: None. Withdrawals beyond the allowance trigger the surrender charge below.
- Rank vs. peers
- #2 of 4 (top is 5.90% — Atlantic Coast Safe Harbor ages 60+)
If you withdraw early
Surrender charge schedule
Surrender charges apply to withdrawals beyond the free-withdrawal allowance during the contract term. The charge is a percentage of the amount withdrawn, decreasing each year. They exist because the carrier matches your premium against long-duration assets — early redemption forces them to unwind those positions.
| Contract year | Charge |
|---|---|
| Year 1 | 9.0% |
| Year 2 | 8.0% |
| Year 3 | 7.0% |
| Year 4 | 6.0% |
| Year 5 | 5.0% |
| Year 6 | 5.0% |
| Year 7 | 5.0% |
| Year 8 | 5.0% |
| Year 9 | 5.0% |
| Year 10 | 5.0% |
| Year 11 | 5.0% |
| Year 12 | 5.0% |
| Year 13 | 5.0% |
| Year 14 | 5.0% |
| Year 15 | 5.0% |
| Year 16 | 5.0% |
| Year 17 | 5.0% |
Contract terms
What else to know
Term
20 years guaranteed at 5.90% APY
Investment range
$5,000 – $1,000,000
Funding sources accepted
Roth Conversion (Full), Traditional IRA, Non-Qualified, Inherited IRA, 1035 Exchange, IRA Rollover, IRA Transfer, Stretch IRA, SIMPLE IRA, IRA-Roth, SEP IRA, 401k, TSP
Owner age
0 to 75 years old
Free look period
30 days after policy issue to change your mind without penalty.
Death benefit
Full accumulated value passes to your beneficiary, no surrender charge.
Maturity
30-day window at the end of the term to withdraw, reinvest, or convert to guaranteed income via annuitization.
Tax treatment
Interest accumulates tax-deferred. Personal post-tax funds: only the interest is taxable on withdrawal. Withdrawals before age 59½ may be subject to a 10% IRS penalty.
Source: Atlantic Coast contract brochure (download PDF). Anything you act on should be confirmed against the carrier's most recent filing.
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