*Tax Deferred Interest Accumulation. Safe Harbor Bonus Guarantee Annuities are issued by Atlantic Coast Life Insurance Company. Not FDIC insured and not the product of, nor is it guaranteed by any bank. Interest rate assumes no withdrawals. Interest rates shown are simple interest; effective compound rate over five years is 3.40%. Five year surrender charge. Withdrawals prior to age 59 1/2 may be subject to an IRS penalty of 10% on the taxable income. Other restrictions may apply. Not available to residents of all states. Interest rate is subject to change on an annual basis after the initial five-year guarantee. The Minimum Guaranteed Interest Rate is 1.00% after 5 years. ACL01222018